True but only if you want to play in high the latest game in three years.In 3 years time software and games will demand more and there will be a new generation of GPUs. You will probably need to upgrade the GPU anyway. Overspecifying the GPU now for a possible monitor upgrade is likely to cost you more money, not save any.
but spending 350 now and 450 in three years is expensive (plus the screen).
It depends to everyone and every budget. Even if you want a 3090 to play minecraft in 1080 it is your stupid choice and daddy money. For myself I prefer to have space to improve my screen later.