I did the same math, it's a choice, i was considering buying a new graphic card for optix, ... and i found that i can rent a VM with a RTX A4500 with 20Gb or RAM during many years with this money. Cintiq works, i got windows 11, and with shadowdrive or dropbox you can bring you files home easily. It's not supporting copy / pastebeetwen local pc and shadow pc  it's the only frustration i encoutered for 4 monthes now.