Thanks for the suggestions! I'll look at other PSU options.
As for the cooler, I don't mind paying more but I'm looking for something quiet that can keep the CPU cool at stock frequencies. I don't intend to overclock. Do you have any specific suggestions?
You're not making this decision any easier!
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I'm sure I'd be happy with any of the three cards in the end. I think I'm starting to lean towards the 4090. I can pretty easily find used ones for ~$1400, which isn't that much more than a 4080. We'll see, still deciding.