Especially for us 1440p / UWQHD 3440x1440 users. Are we talking about rock solid max settings with ray tracing at these resolutions at 100-120-144 Hz? Even the power consumption scales when it's under-utilized.
Sure, currently it's said the 4090 is wasted on anything less than a high refresh rate 4K display. However, looking back at a previously mega-OP GPU, the 1080 Ti, I'm sure that was once considered wasted on 1080p displays, yet now 1080p is the only category it can truly bring a high FPS experience to still.
Also there is no new technology on the near horizon that might render the 4090 obsolete as far as I'm aware of. Sounds to me like you could buy the 4090, and that might be a GPU that will last you 5 years+ or more at 1440p / UWQHD with DLSS 3.0, maybe evem 6, 7, 8 years.
I'm throwing this out there as Devil's Advocate. I don't want to pay £1600 for a GPU, but if I could actually get a triple A futuristic experience that might last the better part of a decade from a GPU, then that sounds to me like a potential investment.