Here are the specs on the Nvidia website for their cards. https://www.nvidia.com/en-us/geforce/graphics-cards/compare/?section=compare-16 

I'm not tech-literate enough to understand it all.

The 3060 starts at $329 on their website. https://www.nvidia.com/en-us/geforce/graphics-cards/30-series/rtx-3060-3060ti/

I just got a new computer this year, W11,Intel i9-14900KF @ 3.20GHz, 64.0 GB RAM, 64-bit, GeForce GTX 4070 Ti SUPER, 16GB (cost me 4 grand, but I didn't get a breakdown of parts' costs). However, one thing I wanted was a good GPU and my GeForce GTX 4070 Ti SUPER, 16GB renders in a BLINK! (Note: I've only tested it on Poser scenes.) I may even attempt animation after my current project.

I don't know all the spec differences between a 3060 and my 4070 Ti Super, but I would expect the RAM size might make all the difference. Of course, my "rig" has a gazillion fans, so I don't know how that plays into cooling needs for graphic cards, but you sound like you know. All I know is my bigger, faster GPU is AMAZING! And it's not even close to being the best one out there. So an Nvidia card with 12GB RAM sounds really good.

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W11,Intel i9-14900KF @ 3.20GHz, 64.0 GB RAM, 64-bit, GeForce GTX 4070 Ti SUPER, 16GB. 

Old lady hobbyist.

All visual art or fiction is "playing with dolls."