The PC market is going to die in the not too distant future. Games will no longer be released on the PC as it won't be cost effective given the high cost of hardware for the masses. The only way this situation changes is if China start producing cheap GPUs (and CPUs for that matter) that are every bit as good as Intel/Nvidia/AMD. Given the economic situation in China though, that won't happen. China is now exporting inflation to the west, a complete 180 of the past 30 years.
I'd say make the most of what you have. Today's games, particularly AAAs are not very good anyway and certainly do not make the cost of GPUs justifiable. Higher end, or even mid-range will be for the rich kids before long. I'd estimate a mid-range GPU to be somewhere around £5000 by year end 2022.
I've seen this post (or similar) pretty much every year since I joined OcUK, and yet the PC gaming market seems to be very much alive and kicking (and in fact growing if the fact Sony & MS are now also releasing a lot of their games on PC is anything to go by). The cost of upgrading may have increased significantly, but the
need to upgrade certainly hasn't. I'm pretty sure going back 15-20 years and unless you bought the very top end card, you pretty much
needed to upgrade every 2-3 years to be able to play newer games at anything other than lowest settings. These days a midrange GPU will last you 5 years+, and a CPU even longer - my son is running my 10 year old i7 2600 and a 1650s (only marginally faster than a 5 year old 1060) and doesn't have any performance issues at 1080p.
I'm pretty sure a 3060ti will still be able to easily handle most games at 1080p in 4-5 years time (sure you aren't going to be able to turn everything to max, but if you're buying a mid-range card then that's to be expected)