This really depends on where you live tbh.
I did not buy a brand new GPU since 2015 cause the retail prices are completely insane around here, on the second hand market I can find good deals for like half of that so its more like 2 tiers down for the same money or so.
For example when I've bought my second hand TuF 3060 Ti with still 1 year warranty on it 2 years ago it was either that or a brand new 6600 XT and that I wasn't willing to pay for a 6600..
I always buy from reputable sellers/solid second hand site and if possible I meet in person and this way I'm yet to have any issues with second hand hardware.
'knocks on wood'