if you're gonna use it for a few years and upgrade the rest of the system down the line, then who cares. get what you can and know it will last a good while.
folks spend so much time worrying about such things instead of just enjoying the system. so what if you lose a few fps the cpu might be able to handle. once you upgrade, it'll all be there waiting for you
good luck finding one anyway, those new gpu's are dang near impossible to find at any price.
frankly i'd wait until things get better in stock and prices come back to where they should be anyway. unless you find one at msrp, then go for it !!