Even if you have the disposable income, my answer is that it is dumb, but with a caveat that buying GPUs at all right now is dumb. The reason I say this is that NVIDIA is one of the greediest companies on the planet, and these GPUs are only being sold at the price point they are at because people keep buying them. I don't begrudge you your 4090 or 5090,
OverHeat
, but you are contributing to the astronomical price for GPUs, and NVIDIA is only going to be able to sell them at greater and greater prices as long as people keep buying them.
I thought the 3090 price was ridiculous, and the only reason I bought it was because I was able to sell my RTX 2080 TI for $1300 of the $1600 MSRP, and I was able to find the 3090 at MSRP. That was when the GPU shortage was in full-swing, and I probably could have got even more out of it if I hadn't included a Buy It Now option on the eBay listing. Without that, I would have stuck with the 2080 TI because $1,600 is a retarded price to pay for a graphics card.
Having said all of this, my solution (that people stop buying GPUs until NVIDIA gets their shit together and prices them at a reasonable value) is unreasonable as there is no way that enough people are going to band together against NVIDIA to make them reconsider their prices. People are impulsive and selfish, and almost everyone thinks something along the lines of, "My purchase doesn't matter. If I don't buy it someone else will, so my boycott is meaningless. I may as well just buy it now."