Advice on whether to purchase 4k monitor

Your hardware should work fine. You should use a DisplayPort cable instead of an HDMI cable. I am using an RTX 2060 with a 3440x1440 monitor.

As other commentors said, more pixels typically means lower performance. My preferred way to work around this is to reduce the “Render Scale” slider in General Options > Graphics. With my hardware I use 70% (2408x1008)

edit: Congrats on your progress so far. I agree with @Severeeno that 60hz refresh rate is likely fine, and you can skip spending extra on >60hz refresh rate

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