15 yard penalty, FUD on the field! There is NO REASON to upgrade to the "latest and greatest" unless your PC is your ePeen and you are trying to reach the top of some benchmark board...that's it, because nearly every game will play (and look better than the console version) on even modest or ancient kit.
Take myself for example, from 2010 to 2014 I gamed on an HD4850 which I picked up for $100. I played all the big names, the Bioshock series, the L4Ds, the Just Causes and Crysis games...all played fine and looked great. From the same period up until 2 weeks ago the CPU they were running on was a Phenom II X6, which again cost me $100 at the time, I think with the board and 8GB of DDR 2 it was $170 something before MIRs and $145 after. Last year I upgraded to an HD7750 as I had a customer who was selling his for cheap and for nearly a year it played all the games I wanted just fine, I would still be using it if I hadn't come into a little money and my boys said "You spend so much on us, treat yourself for once in your life".
I ended up with an FX8320E with 16GB of RAM, a new 750w PSU, an R9 280 with 3GB of RAM, new Asus board, and to top it off a nice 27 inch Asus screen to replace my aging 20 inch....must have cost a fortune, right? Nope around $750 before MIRs, around $650 after (moral of the story kids, always take the MIRs) and more importantly those parts I pulled from mine? All still playing games for other family members, the oldest got the board and CPU, the youngest took the PSU, and the wife took the HD7750 so she can plug her tower into her TV as an HTPC.
So yeah PC gaming is REALLY not expensive, I could have not upgraded a thing and kept right on playing and I have ZERO doubt that this current setup will be playing the latest and greatest games in 2020 with little effort, and again looking better and costing less than the consoles.