In my case with already having a 3080 @ 3440x1440 (I have a 4k oled too but play more on my AW 3440x1440 display) based purely on 2 games,
one of which the devs have already said they're working on a patch... as of right "now", no, I don't need to spend 1+k yet..... Now if we get more RT games like portal or/and heavy hitting RT then I will be upgrading, which is pretty likely looking at the games for next year, of course, most of these could run extremely well or not, time will tell:
- avatar - rt only title
- atomic heart
- stalker 2
- black myth
- deliver us mars
- redfall
- forza motorsport
- dying 1983
- boundary
- starfield (not officially confirmed to have rt but one of the jobs they were advertising for had mention of implementing ray tracing experience)
- the day before
- skull and bones
- ark 2 (nothing confirmed yet but I believe it is nvidia sponsored and ark 1 had nvidia heavily involved from a technical pov)
- dead island 2
And chances are, there will be plenty more released next year which we haven't seen yet, iirc, resident evil and fc 7 are due next year. Also, maybe dune awakening might get RT since it looks to be sponsored by nvidia potentially.
If/when remix lands next year, there will be dozens of old games I'll be wanting to play through with.
Plague tale requiem is still due a RT update too.
Future is looking bright with RT
Now nvidia just need to drop prices or/and drop that 4080ti