For us hobbyists used 3090 or new 7900xtx seem to be the way. But even then you still need to build a machine with 3 or 4 of these GPUs to get enough VRAM to play with big models.
For sure - our prod machine has 6x RTX 3090s on some old cirrascale hardware. But P40s are still good for last-gen models. Just nothing new unfortunately.