I wouldn’t upgrade without upgrading your gpu first. The 4070ti will most likely max out your 12700kf and a 4080 the 12700kf will start to be the bottleneck. One of those two is the best options for an upgrade here. Not sure why you would need 128gb of ram if your just gaming? Size doesn’t help at all with fps. You would see a 20% increase in fps with 32gb of tuned B-die after the gpu upgrade of course.
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Nope, no reason. Better off upgrading that GPU, it's the bottleneck.
All OP plays are flight sims which are CPU intensive. The CPU is the bottleneck and will give him the biggest results.