im still unsure what you are paying 400-600 more for an asus/msi/gigabyte one for over some of the cheapest models, unless cheap ones have teribad warrantyI can't say about 4090s, but I've had mostly Zotac and Palit cards over the last few years, and have nothing bad to say about them. My Palit 2080Ti is still going strong, as is the Zotac 1070Ti.
Warranty length, and maybe RMA policy/speed, really is going to be a good metric here.