I never found them to be painful. What's up with that?
https://gpu.userbenchmark.com/Compare/Nvidia-RTX-2080-Ti-vs-AMD-RX-5700-XT/4027vs4045 tells me it's battling with the RTX 2080 or 1080 market so the price at near 500 would be bargain.
As to your last question you answer that with your research on what these cost.
I was planning on getting a 5700 XT for my new setup as early as first week of September. The performance of 5700XT has caught my eye and its fits my budget pretty well. But I dont like the blower type cooler(I have used a gtx 1070ti and its cooler was such a pain).
My question is, will the add on board cards have extra costs associated with them? I dont want an OC version,just the normal version would do for me.
We already pay like 500$+ for the Sapphire Radeon 5700XT(after applying taxes),the other variants costs even more(even with the same specs),so what's the general trend?Do open air type coolers costs more than the blower type?