60 FPS is generally fine but its not a myth at all and you dont even need to be a competitive player to notice the difference from going to a 60hz screen to a 120hz tv or a 144hz monitor and it has nothing to do with ghosting or bluring, 144hz is stupidly smoother specially in faster paced games.
No offense but this is a bit of a no brainer question, you got a better card for less money, there is nothing to think about. (dont get me started on how much better the FE card looks)
Had a 3080 FE earlier this year, on a 3090 AIB now, also refuse to pay extortionate prices, good thing Nvidia didn't forgot the UK market unlike a certain company.
Personally i wouldnt RMA it, specially considering the market, just undervolt it, limit the frame rate to your monitor maximum on top of it, last thing you want is ending up being unlucky and being refunded considering the market.
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