Actually is RTX 3060ti.
At now S$614 in Sim Lim, this GPU can handle unreal engine 5.1 at average 30 to 40fps which is ok for the eyes for 1080p or 1440 display.
Now since most gamers ain't competitive gamers, this GPU offers decent fps at ultra settings. You don't really need 110+ fps for usual 60 to 75hz displays for casual gaming.
Forward looking... ... Some people will consider RTX 4090... ... But if you get RTX 3060ti, you actually can handle games now and older titles at ultra with ray tracing when need be, yet getting RTX 4090 at super high price is stupid because when a game comes out in these days, you want to wait for DLCs and bugs' patches and after that you start a brand new save with the (remastered) done game, the best GPU to use will be RTX 5090.
Illustrating with Fallout 4. The recommended GPU was 980, however, with mods, and ultra graphics upgrades, even a RTX 2080 may experience issues not to mention 980 or subsequent 1660. RTX 3060ti solves the problem. Similarly for forward consideration if an Unreal Engine 5.x game happens very soon or now, what will happen is that to experience the full content of the title, you will need at least RTX 5090 and not RTX 4090.
Given the superior feel from Ray Tracing especially in Cyberpunk 2077, especially with subsequent additional contents, a ray tracing great price to utility GPU giving a decent fps means RTX 3060ti is the best for full immersion into a sandbox virtual world.
In today's gaming... ... it is impossible to expect to get the fullest or max from recommended GPUs, for the majority forming the essential market with 1080p at convenient S$190+ displays for casual gaming and with DSR settings to convert to 4K display, playing less current titles using current GPUs which is also highly cost efficient hence is the smart way to go that means the best GPU now in 2022 to get is the mere S$614 RTX 3060ti.
Nothing can beat that at price to utility level.
Honestly, in order to play 'future' games, if considering RTX 4090, you will need not just to get the GPU but for most in the market, the demand is likely higher and better rams, a larger casing, much larger power... ... Which the only way you can rationally achieve that will be to wait for RTX 6090 at time T3 to happen... ... pushing down the price of costly peripherals at time T1 to affordable level in time T3, and that's when you get a RTX 5060ti at time T3 which by right should be affordable to play the game title made at time T0 which is the timing of from now to 6 months away.
Given that ray tracing GPU now is really bad news for AMD makes, and in order for the wait to upgrade GPU with reasonable prices between the interval of T0 to T3, a RTX 3060ti with ray tracing capability that can run all existing game with most in ultra mode above 30fps using 1080p displays (or DSR into 4K) means it is the best buy for average users.
Whereby some games do run higher fps with AMD GPUs, but that's without ray tracing, and what happen when a new game at the end of 2022 happens?
What happens when a new game in 2023?
With RTX 3060ti at a mere S$614 and with decent mild power needs, if you are a common user of 1080p display, you can happily expect to enjoy the 2023 title at High settings if not still Ultra settings, but I can't expect that for AMD mid range GPU, especially when ray tracing is required for max immersion.
Which is one can expect to game on at quality settings into 2025 with 1080p displays and probably all remastered or graphically enhanced games of today and yesterday at max out settings with RTX 3060ti with almost the same performance with RTX 3070 but at much lower price, and with ray tracing as an option, RTX 3060ti is currently the best buy.
Of course, you can spend S$2000+ for highest range RTX 4090 to immediately play an Unreal Engine 5.x game at time T0... with all the bugs waiting to chew your game saves, and patches not ready, DLCs absent, and if it is a classics then likely a remastered version to come... ... Or you can get a brand new set to accommodate the likely gigantic mid range RTX 5060 at lower price to play the remastered version at max out settings... or even a XTX8600 or XTX9600 for that purpose with then maturely priced upgraded rams with GDDR10 or what to go along the GPU upgrade... ...
But in today's gaming, I reckon patience is indeed gold.
From this view of smart gaming, especially given the need to upgrade peripherals for future GPUs, existing common sense buy at reasonable price but giving maximum playability will be RTX 3060ti. Anything lesser in performance won't make sense because it is not remastered Fallout 4 or Skyrim we are looking at but gaming in the next few years holding out for a full system upgrade.
Preview of Unreal Engine 5 capabilities suggests we will need a GPU at least at RTX 5090 to fully unleash its power, not to mention by time T3, Unreal Engine version could be already at 7. But by then, it should be requiring at least RTX 8090 for quality gaming, and a system upgrade for RTX 6060ti or RTX 7060ti by then will be most logically money efficient.
So for now, with RTX 3060ti, we can expect to run Unreal Engine 5.2 games in a year or two to come at high settings at playable fps without the need to pay much more beyond S$614 to achieve RTX 3070 performance which is really about the same with RTX 3060ti.
Definitely, even if you have the money to waste on S$2000+ GPUs right now... ... But how many games really need a RTX 4090 or XTX 7900 to run decently in the coming few years?
It is the same old IT wisdom of getting a Pentium 4 when most applications only required a 486 system, or getting an Android 10 in 2001 when most applications are running on Windows XP through Windows 8.
Perhaps getting a RTX 4060 at S$650 two years down the road to play a range of Unreal Engine 5.2 games makes money sense complete with system upgrades, but paying $3000 RTX 5090 two years down the road to play Unreal Engine games right away being chewed off by bugs and stuttering graphics without mature DLCs and patches offerings... ... You are just a new age gamers with 90s gamers' mindsets.
In conclusion I welcome anyone here to challenge RTX 3060ti as the best buy for 2022.
Best buy literally means smartest gaming needs fulfilments. And that means not just taking out ray tracing as an option and not just going reckless with money to get the most out of gaming for most in the market.
Have fun.