I know I talked a big game, but tomorrow I'm going to go to the UPS store and ship and insure the card for the RMA on my dime. I estimate around $250-275 after insurance. I'm bending over for Gigabyte again. Maybe I can get them for child support eventually. Last time this happened I went to BestBuy and bought the cheapest GPU they had so I could at least work and it really sucked. I was up front with the salesman and they said I just needed to return it before 14 days or something. I'll try to get a nicer one this time so I can still game a little, but I'll tell them again I'm just borrowing it and if they say no I will just be screwed.
EDIT: I shipped the card and it was $157. Using a 5060 ti for now.