true but..
there is always a "what if" after a new generation of tech is released there could be an enormous leap in performance like from 9xx to 1xxx and electricity savings from more efficient tech.
there is also a small window of opportunity to buy those new cards cheap before bullrun starts hehe, but who knows if the PTSD is too strong you wouldn't want to buy those new cards hehe.
No matter how big the performance breakthrough of the new cards,for example of the Rtx 4090 over previous generation it would still cost a lot of money to get it and in these condition where mining is not profitable and it does not look like it is going to be,at least in the short and mid term,there is no real reason why to spend money on such cards.As I said continuing with 3060 ti for the moment remains the most wise thing to do because of 60-62 Mhsh for just 115 watt power consumption which is a great performance/cost combination.Five of such cards give you 300 Mhsh with less than 700 watt overall power consumption and you can mine quite a decent amount of daily new coins like ETHW,ETHF and ZIL to name a few.
There is no reason to jump to the newest generation in such conditions.