What are the current best retail GPUs for max VRAM at a reasonable price?

I am considering dumping my ChatGPT Plus subscription and go full local, but to do so I would first need to reach a decent result for quality (and reasonable speed).

My 4090 fried itself out of nowhere, so I am not stuck with a 3070 until I get something better.

I am kind of suspicious about the claims the companies are doing lately about the dangers of AI and how they are pumping the prices intentionally to either law out the open source or price out the open source, so I want to just go full local even more now.

I have a MSI MAG X670E Tomahawk WiFi which theoretically supports 3 GPUs?

What would you end up with?

p.s. I am ruling out Macs to be open and easier to setup in case I will want to use them for my homelab

edit: typo