Not getting my hopes up yet, but...
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If the bubble does indeed finally burst, this will do a couple of things:
1) Cryptominers will stop hoovering up GPUs, which should improve availability in the coming months.
2) Cryptominers will then start unloading boatloads of GPUs, which will flood Ebay and such with cheap cards, which will drive the prices down drastically. MSRP for new cards will be a thing again (finally), and cheaper than MSRP might start happening again as well on slightly dated cards.
This is what happened the last couple of times the bubbles burst, but I don't want to get my hopes up yet. Cryptocurrency values were WAAAAAAAY up there until recently, so they have a long way to fall before it becomes not very cost effective to mine...
One note: A LOT of gamers, 3D artists, etc. are 'in the cue' waiting for cards to drop in price, so this time there may be a bit more of a lag on prices coming down, assuming that the crypto bubble does indeed fully burst. Scalpers won't give up until they too are sitting on a glut of cards that they can't get rid of for more than they paid for them.
As to the OP's questions, my usual two cents (that's you
BitterSweep !) :
1) Get the card with the most VRAM that you can afford. I have to add 'to a point' with the addition of the 20+ GB cards. Most people can be perfectly content with say a 11 GB 1080 Ti/2080 Ti, or even a 10GB 3080 (when/if prices finally drop on those to around MSRP).
As noted, the 30xx cards are the ones you really want, but a 16xx or 10xx card can get the job done. Earlier cards too, to a point anyways.
2) 16 GB of system ram is workable, 32 GB is preferable, over 32 GB is nice but in a lot of cases overkill.
3) If you plan to stick with this 3D rendering hobby, don't 'cheap out' on storage. I now have over 4 TB of Daz assets, between assets I've acquired and scenes that I've saved. I am currently working on an external 5400 RPM HDD, and it's a bit painful to wait on the searches, but at least it holds all of my Daz assets (It's a 7.5 TB drive). I do plan to get some faster storage soon. At the very least, I wouldn't recommend anything less than 2 TB, an SSD would be nice but spinning rust (HDDs) will work fine, just bit more noticeably slower.
4) Make sure you have additional storage to back up your Daz assets (backup drive). Nothing sucks more than a hard drive failure wiping out all of your hard work.
5) I recommend installing all of your Daz assets onto the same drive, one that you can transplant to another system later if needed. I did this to an external drive recently, it's a bit of a pain to get Daz to move the database onto the same drive (if not your C: drive), but once it's done, this will allow you to move your Daz install from system to system a bit easier.
One other note, if you want to try other rendering engines (3Delight, Filament maybe), then you can bypass the need for an expensive GPU, just get the CPU with the most cores that you can afford. Those 16 core Ryzens are pretty handy for CPU based rendering. Many people prefer Iray (myself included), but 3Delight and Filament can give your game a different look, which can help it stand out a bit from the pack maybe.
Also, don't cheap out on the power supply if you are planning on multiple GPUs at some point. Daz Iray will use as many CUDA cores as you can throw at it, which can drop your rendering times. A few people actually have 3-4 cards in their systems for rendering. The VRAM won't stack, but the CUDA cores will...
I think that covers it. Here's to hoping that the crypto boom is over, unless you are one of those developers that banks in crypto land of course! Not getting my hopes up quite yet though!