Yeah the 60 class cards from both AMD and Nvidia aren't that ideal this gen. I'd argue that last generation stuff makes more sense from a value point of view but there are a few positives like better power consumption and features from the RTX 4000 series that are good, and useful (frame gen, better RT etc). I do think it may be worth waiting a bit for Black Friday sales if you can, as I can see Nvidia lowering prices of both 4060's (after AMD's launches).. and you potentially get a better card like a 4060Ti for not much more and maybe the 4060Ti 16GB closer to 400 euros which would be a compelling buy at that point.
But yeah thats just my opinion and I guess lowering a few settings here and there you can get by with lower RAM capacity. Especially if you plan on upgrading sooner rather than later. And in any case would be a massive upgrade from your GTX 1650.
