"... been waiting for graphics card prices to come down...."
Watch Newegg. GC prices have been coming down for a while now and Newegg seems to focus heavily on GC deals daily. AMD seems to be coming down faster than NVIDIA, but either way things appear to be getting back to normal.
Time your purchase carefully, tho. My prediction is that as warm weather wanes, windows will start closing, poop will start happening, and shortages / prices will start going back up.
(And no, moderation, this is not a discussion about Covid - just some generic advice)