It looks like you can upgrade 4090 to 5090 for just $100-300 if you buy and sell in the right places. I don't have much need for it but might do this before the 4090 loses value. The MSI 4090 liquid model actually sells for more than its original price 3 years ago, maybe because its small size makes it good for multi-gpu setups for AI. Some of the base 5090 cards are $2000 if you wait for a microcenter drop.
One issue I see is the huge size means I have to move my soundcard down to a slot where the M.2 drive goes down to half speed. Maybe a pcie riser cable would avoid this.
Update, yes the riser cable works nicely for the sound card. It's a bit clunky to fit into the last ATX slot because the motherboard's pcie slot is in the way, but I managed. Now there are easily 4 slots for a huge gpu.