I'll preface this with I don't do any workstation-tasks that are being mentioned here, I can only speak from a regular desktop/slight gaming user but...

I'd agree with this take. I have an Nvidia 2080 right now, and at the start of the new month I'm looking to try to pickup a 6700XT (I have a low budget as well, so its about the best I can shoot for) because I've hit my limit with Nvidia's shitty Linux support. An X11 session feels like crap because the desktop itself doesn't even seem like it renders at 60 FPS (or rather, not consistently, but with a ton of framedrops) - and I only have two 1080p 60hz displays... should be easy for this card. A Wayland session feels "smooth", but is glitchy as hell due to a multitude of reasons. It is only just now (as of the 17th IIRC) when they've released their 545 beta driver that Night Light/Night Color is finally working on a Wayland session, because they lacked GAMMA_LUT support in their driver... But now XWayland apps feel even worse because of this problem. This is not going to be fixed until either Nvidia moves their driver to using implicit sync, which won't happen - or they actually manage to convince everyone to move over to supporting explicit sync, which requires the proposal being accepted into the standard (something that will take a while), and all compositors being updated to support it.

I am on the opposite side of OP, I don't do any sort of rendering/encoding but I spend a fair amount of time gaming. The XWayland issue in particular is basically the deal breaker since still most things use XWayland.

While I do hear that Nvidia is the choice for anything that needs NVENC or CUDA, using the desktop side of things will feel horrible if you go with an Nvidia card as your primary, and you'll constantly be trying to chase workarounds that only make it slightly better.

I'd really rather not spend money on a new GPU right now as a friend gave me his old 2080 that I'm using at the beginning of the year, specifically because money has been really tight for me - but when you try to use your PC (and I work from home, so that's a major factor) and you feel like you're constantly having to fight it every. single. day just to do the basics, well... enough is enough. I've heard some Nvidia users say that it works perfectly fine for them, and that's fantastic - but that has not been remotely close to my experience. It's just compromise after compromise after compromise. I hope that the NVK driver will change things for non-workstation workflows (since I don't imagine you'd be able to use NVENC/CUDA with NVK) but the driver isn't ready for production use as far as I understand.

At the very least, if you're able to keep both your AMD card as your primary, and just add in the Nvidia GPU then you can use Nvidia's PRIME offloading feature to run applications specifically on the Nvidia GPU. This has... its own fair share of problems from what I've heard, but the issues I've seen in passing have generally been on the gaming side, I'm not 100% sure how it does for things like NVENV/CUDA. Sadly for me, I don't believe my case/board actually has enough space for both GPUs to be in there, and even if it did, it certainly wouldn't have enough room with my extra PCI-E WiFi adapter in there - but that's a bridge to cross when I get there, I suppose.

I guess my conclusion for the OP is, how is your current desktop experience with your 1050TI? If it hasn't been a hindrance for you, then perhaps you're fine with your current plan - but as the Linux ecosystem starts to move more towards Wayland being the only realistic option to use, I do fear that Nvidia users are going to suffer a whole lot until Nvidia can finally get their act together... but I suspect there will be a massive lag time between the two.