If you already own a RTX 4060 Ti 16GB → wait. Buying new → RTX 4090.RTX 4090 has +8 GB VRAM, 250% more bandwidth, unlocks +1 models, at +$1440 (+314%) price.
RTX 4090 adds 8 GB VRAM for +$1440 (314% premium). The real question is whether your workflow needs models that RTX 4060 Ti 16GBcan't run.
If yes — you want to run Mixtral 8x7B v0.1 or similar — then the 8 GB is load-bearing, not luxury.
$ recommend → If you own a RTX 4060 Ti 16GB: wait. Prices drop, refresh cycles continue. If buying new: get the RTX 4090 IF your budget allows AND you need the unlocked models.