@PrincessFrosty People were saying same when Nvidia shrunken bus in Pascal, then Turing and now in Ampere (has a bandwith (approx 800Gbps) almost like HBM 1st gen with bus of 1024). Nvidia improved their compression algorithm and if you look at the whitepaper for Pascal, Turing and Ampere you will see that cache has been doubled for Ampere, especially L2.
AMD is using the same tactics and looking at performance of Xbox Series X which has 10GB of 500Gbps+ and 6GB 320Gbps+ memory I'm not really worried about bandwidth at all.
3090 has 24GB with 384-bit and I don't see any clogs or performance issues.
IMO 14+ is absolute overkill for games. Maybe with extra textures for PC releases (Gears 5 and 4K pack can fill up to 11GB on Turing, but m not sure if that's used or allocated memory) other than that I don't see use of it.
Maybe extra RT information would be memory hungry (Minecraft Beta is, but that's beta it could be memory leak or lack of optimization)