Have you seen the Cyberpunk RT video by Digital Foundry? if not might be worth a watch https://www.youtube.com/watch?v=6bqA8F6B6NQNope. Going to take years for this to mature and become mainstream/worthwhile. Right now it's more like a gimmick, and the performance cost is huge.
Maturity doesn't just mean hardware it means effective use of RT in software too. Not just "maximum shiny"
I guess it depends on what you're playing - if it's competitive shooters then yes RT is not worth the hit, if it's an RPG that's all about building a believable world then it's worth it IMO.