GPUs generally are more expensive, in real terms, than they were a few years ago. If you ignore the over-pricing of the ‘great GPU shortage’ years, the average price has still increased. But highest-end GPUs have always been absurdly expensive, because they are firmly aimed at people who want the best performance and are willing to spend whatever it takes to get it. It’s an opportunity for Nvidia and AMD to clean up versus the value-driven mid-market, and so they do. Because they can.
I bought a 4090 a few weeks ago. Why? Because I wanted a 4000 series card for the new capabilities, and I wanted 24GB VRAM. I didn’t want 16GB, or 12GB, or 8GB. I wanted the most I could get. If there were an otherwise lower-spec Nvidia card with 24GB VRAM that was cheaper, I would probably have bought that, but price was not my #1 consideration. Getting specifically what I wanted was. I went for a brand that I rate (Gigabyte) versus the absolute cheapest (Palit, Zotac etc), but I didn’t go for any bells or whistles that would increase the price further. It cost me around £1800. I’m happy with my purchase but I’m absolutely aware that it’s a lot of money.
Thing is, though, everyone puts a different value on money. That might sound odd, but a lot of factors determine your attitude toward money. Some people have it, but don’t want to spend it; some have it and are happy to spend it; some don’t have it, and can’t spend it; and some don’t have it, but find ways to spend it anyway and get into debt. When I was younger, before I started getting good jobs, I was the latter. Now I’m in the ‘have it, and happy to spend it’ camp. But I have no dependents, no-one to harm but myself if I make stupid financial decisions, and I have zero moral qualms about spending any amount of money if it gets me what I want. I like to think I’m now sensible enough not to waste money, but I also know that isn’t true because I regularly buy stuff and under-use it, like my expensive 3D printer that’s still in the box. I sometimes buy in haste and repent at leisure.
If people depended on me financially, I think I’d have a different outlook. I’m not a complete spendthrift. But I don’t hold on to money as a hedge against the future because, as they say, you can’t take it with you. I’m aware that I’m very privileged. I’m also aware that the day will eventually come when I don’t have money any more and I start to regret every penny I ever wasted, but short of being properly rich I think that happens to everyone eventually.
Long story short: if you want it, can afford it, and you aren’t putting anyone else at risk by spending your money, then spend it and enjoy the fruits of your labour. If not, don’t. Simples 