That's the thing, and the reason I say "I suspect" because there is the game optimisation fact as well. BF5 seems fine, Warzone no, I don't get full gpu usage when vsync or any other frame limiter is off, Enlisted also have a very low gpu usage, around 50%. RE2 also should be a example of a game that must run 144FPS but the gpu just sits around 80-100FPS and the utilization is around 60%. In Warzone if I increase the render resolution then yes, the gpu goes to 99%, that is why I think I might being bottlenecked, as I can not increase the render resolution of the other games, I believe is the same situation.
I've been looking at plenty Reddit posts of people with 6900 XTs and they were reporting the same, seems 3000 series cpu can bottleneck the 6900 XT, and after a cpu upgrade to 5000 series the gpu usage was sorted. I was just not expecting this with the 3900X at 1440P.
3Dmark etc of course the GPU is pegged at 99% all the time, but well, that is developed to behave like that.