To be honest, I would wait if I were in your position. If you're mostly able to use your PC as desired, with only some moderation of settings, this is an awful time to get bang for the buck. Perhaps become a regular at entering Newegg GPU drops or checking Micro Center, should you be near one, from time-to-time. Then, if you're able to score a GPU at a reasonable price, then build around it. In fact, that's precisely what I did last winter; my 2080 Super wasn't hurting me in any way, but I was able to score a 3080 drop last January for $729, making it a no-brainer (I was able to sell my year-old 2080 Super for the exact price I bought it for).
You could build right now, ignoring all these considerations, but as much fun as it is to assemble builds -- and I'm an inveterate tinkerer, so I know the feeling well -- I'd really hate for you to spend money that you don't really need to be spending. Which is why I'm asking all these obnoxious questions!
Even if you don't build right now, there may be some quality-of-life upgrades to your current PC that would aid in your current enjoyment. Excellent mice and keyboards never really get outdated and can go to your future build, whether it's next week or next year. An NVMe OS drive can perk up older PCs if you don't already have one. Even something like a high-quality chair can pay long-term dividends that you might not get at this very moment with a new build.