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I would highly advise against RDNA 3 at this budget. They are simply too weak in the top-end aspects. Stick to Nvidia for sure. And I say that as someone who has only bought Radeon GPUs since the 3dfx days.
As for RT, a fav gif of mine I've been using for a long time to show the differences (particularly for lighting):
But the really obvious difference during normal gameplay is for sure anything water related (and that applies to all games with RT reflections):
And those are regular RT examples. No Pathtracing (which tbh I'd avoid even on a 4090; too many issues imo but it's a longer discussion and a bit subjective).
CP isn't a regular example of RT'ing, it's the very best example of RT'ing imo and arguably it keeps improving visually due to continued NV funding.And those are regular RT examples.
By regular RT I meant as opposed to PT (because the game allows both), not a judgement on quality.[...]