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1) hey, so yeah it has to be affordable for the person too. Just go with IPS or cheap miniled, agree its decent option for most.

2) 4090 is more expensive than typical oled monitors - even 4k 32, and oled monitors are getting cheaper.

3) I would 100% take oled over 4090 any day for my use case. Oled has very good picture quality. Even SDR content looks great and can have a slight pop due to high contrast.

In fact i think this is a decent time to upgrade monitors and not so great time for gpus as they all seem to have compromises ( other than 4090, perhaps 4080 ). Perhaps can wait a bit as oled monitors keep getting cheaper, dunno.

4) If one has space, oled tv may be even better vs monitor. From what i have heard they have better hardware + lower cost.