I stopped using my GTX 780 only couple weeks ago. It had 3GB of RAM, but I've been using it with a 4K monitor without any issues for years, even played some games, like SC-2 where it performed well at 4K resolution.
It was only recently that I upgraded it to RTX-3080Ti, but since I'm not much of a gamer (I bought it mainly for Deep Learning), I haven't noticed much difference, LOL.
I think to a large extent, investing much money into an expensive graphic card only makes sense for those who has specific needs for it, like playing a lot of modern games, deep learning, or crypto (may they burn in hell).
For a causual gamer who mainly needs a good productivity PC, even RTX-3060 is an overkill. But still, considering it is the latest gen, I would just get RTX3060, and that's plenty enough.