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I learnt a few years back that the most important driver in GPU. or any other non upgradable memory device obsolescence, is RAM. I got a banger of a deal a few years on a RX 480, but it was 4Gb, adequate at the time. The card was obsolete way faster than the 8GB. As for the power draw, are you planning to have your AI setup running 24/7? Nvtop (linux GPU monitoring app) reports 50-80% of the cards top power draw. There is also the fact that my data doesn't leave my setup.
At the time, it wasn't clear that VRAM beyond 8GB was beneficial. Most cards at the time had basically capped at 8 for ages, and I wanted performance for ray tracing. In hindsight it was a bad call, but for gaming it made sense.
Not 24/7, I'd just start my PC when I need it, but its still more power than I'd like.
Keeping data local does make sense, which is why I have been toying with it. I can run relatively stepped on gemma4 models in 8GB, so for now, I'm happy, but im definitely looking at a Nvidia P40 as a second card.