If money doesn't matter, then why don't you want a high-end card???? It makes no sense at all, I'm so 😕
Also, overclocking depends greatly on what cooling you have, you could put a mid-range card on liquid nitrogen, Vmod it, and overclock the heck out of it, and make it the same prerformance as a high end card, and spend 200x as much money as just getting a high end card in the first place.