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Is There Any Benefit To PCI 4.0?

I can't find a definitive answer online, so I'll ask here. I know that gpus for the past few years have been designed for PCI 4.0, but is there all that much of a difference if a gpu is ran on PCI 3.0? Will a gpu be weaker, slower at communicating with the rest of the computer, or is there no real difference? I'm wondering because I heard something about gpus not really using all of the potential bandwidth of 4.0 in the first place and now there's PCI 5.0.

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Depends on the card and what you're doing. If it's a 6500XT with only 4 PCIe lanes, the difference between PCIe gen 3 and gen 4 is pretty huge. If it's a 3060Ti and you're just gaming, there's basically no difference. A 3090 and you're just gaming, there's a difference of about 5FPS depending on the game. A 3090 doing something workstation related where it actually relies on the bandwidth, the difference is actually pretty big. 

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doing standard gaming today?  3 vs 4 vs 5 doesn't make much difference.  (Except on an RX6500XT.  Cuz it's terrible.)

In the future, features like "Direct Storage" and others will make use of the faster PCIE 4 and 5 standards, but nothing on PC is using those techs (yet)

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