It might be worth looking at "pre loved" cards from CEX as you get a 2 year gaurentee. I might go down that route next year, trading the 3090 ,as apparently its working fine, for a 4090. As I suspect my issue is PSU related I will probably get one that supports the 40 series. Still using VR?
PS if your old puter does die, put the drives in your new case and you wont loose amything. My old system drive is now my download drive and it works well.