Agreed. That’s why I mentioned “below 95”.
Did you notice in the Radeon software the feature called “radeon chill”? Do you know what that is and why it’s called chill? It basically allows you to cap your framerate with a max and min value. You can google how it works but in the sim only the min value does anything. So whatever you put in the min value caps your framerate to that value. It’s called “chill” because when you cap your framerate the card doesn’t work as hard because it’s not running at max output and thus it stays cooler.
I use that to cap my framerate to 30 fps. Normally my card would run above 40 fps in VR if uncapped and the settings I’m using. But I prefer to cap it to 30. The main reason is that it performs better in that it eliminates the stutters. It seems by not running at 100% usage that there’s some headroom which allows the card to deliver the frames more consistently yielding less stutters. And the sim is totally smooth at 30 fps so higher isn’t needed. The secondary benefit is the card runs cooler.
So maybe give that a try before you by a new card. As you mentioned, they’re extremely overpriced right now. I bought my 6900xt in February for about $1800. I had a 2070 super, similar in performance as your 5700xt. Funny because I sold the 2070s and actually got more for it than I paid for it new 2 years previously. The card prices are crazy! But the 6900xt does make a big difference but maybe try other solutions first like capping your framerate.
Good luck.