If It was me and I had a graphics card which was as you said yourself "literally perfectly fine", what I would do is keep it until it wasn't "literally perfectly fine" and then I'd get an upgrade - basically wait for the 4080 or 5080 or something.
That's pretty much what I've been doing myself anyways, I've stuck with my 980ti these past 5 years because I've been satisfied with it.
Contemplated this, but I'm planning on getting a 4K monitor, and 4k gaming on a 2070s is definitely doable but it's not univerally great, not even 2080ti would be. So I opted for a 1440p 144HZ monitor.
Feel like 4k60fps max settings on RTX 3080 across the board will finally be achievable, and even with Ray Tracing using DLSS. And then getting mad frames in lighter titles in 4k assuming I actually spend the money for a high refresh rate 4k monitor which isn't really that likel and will probably use my 1440p monitor for high refreshrate gaming.
PS4(PS5 Soon)and PC gaming
There's only 2 races: White and 'Political Agenda'
2 Genders: Male and 'Political Agenda'
2 Hairstyles for female characters: Long and 'Political Agenda'
2 Sexualities: Straight and 'Political Agenda'