Want to max out settings and have traffic at the same time: is my PC powerful enough?

It’s better practice, but this will do nothing for performance gains.

You will be limited by your current processor if you want to significantly increase AI traffic. High AI traffic settings put a significant load on the mainthread, and you will be quickly mainthread limited with a 10900K. If I were you, I would invest in upgrading your processor over upgrading your current 3090 Ti. This will allow you to increase the AI traffic settings and/or increase the terrain LOD beyond 200 if you want. Your current 3090 Ti is more than capable of running MSFS.