I won't showcase every single game out here but if we don't count VRAM hogs (just a couple of them exist as of now), 4K gaming is pretty much accessible at <10 GB VRAM point. What ruins 4K experience for 4070 series is that these GPUs are not fast enough for maxing 4K out and you will need either upscaling or some settings turned down in order for games to reach 60+ FPS.
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IoA is a UE5 game with UE5 being one of the most popular game engines out here. A lot of upcoming AAA games will be based upon this engine and it doesn't slurrrrrrp on your VRAM as much as you are whining about it.
Starfield is also a clear example as to why 12 GB is NOT an issue:
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Even the Resident Evil 4 Remake, one of the worst case scenarios for nVidia GPUs in general, is running hotly well at 4K on these GPUs:
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Games like Cities: Skyilnes, The Last of Us, Hogwarts Legacy etc are outliers and they will be outliers for about a couple years from now at least.
At 1440p, DLSS Q allows to shrink VRAM requirements a bit, and at 4K, you are even good to go for DLSS B or even Performance mode. DLSS is by no mean ideal but this feature massively helps these GPUs and will improve over time.
Overall, 12 GB on both these GPUs is fine. I'd very much love to see ~23 GHz VRAM on Super though because this video cards suffers from limited VRAM bandwidth, especially in higher resolutions.