I'm in the games industry and I can tell you first-hand nobody is making games targetting future hardware right now.
The pattern used to be to optimise assuming your current average hardware would be minspec by the time your game came out. That's no longer true and everyone knows it.
If you pick up a used 3060, you'll have a solid gaming PC for many years to come.
You can do this with Jellyfin too, there's lots of guides online on how to set it up. Requires a bit of self-hosting knowledge, but if you're reading this there's a good chance you have that.