I'm in the "<=MSRP" crowd, but voted on the hard limit.
Only time I didn't get a card in that price and overpaid was when I knew nothing of hardware and "upgraded" from a Riva M64 TNT2 to a 9200SE, bought in a general appliance store...to play Colin McRae Rally 2.0.
Right now, there is no "MSRP, not more" (and even then, for the brief months there was, like TheLostSwede rightfully mentioned...), so nothing like saving some coin and lowering the graphic detail level where needed, to be honest.
It's not like games actually look half a decade old for the most part at 'Medium', that justify me paying 1200€ more than what an RX6800XT ought to cost, to have decent 4K performance.
I already went for an RX5500XT, instead of the RX5700XT I was aiming for at the time, for the very same reason (No jumping from FHD anytime soon eiter). In the end, it was still an upgrade as I got a 10% uplift in performance, no more vRAM limit errors, and considerably lower power consumption from what I had before (R9 280X). As a sustainable solution, before a full-on upgrade, I was fully satisfied and I guess I will remain so for the foresseable future.