Agreed. If money is a factor, SLI/Crossfire is almost never worth it IMO. It’s more for just trying to push performance has a hobby.
If you’re just looking to always be able to play the latest games with good (40+ FPS) performance for as little money as possible, it seems like the best move is generally to always buy the current or 1/2 gen old second tier card in the $150-$250 range.
Which card is the best bang for the buck in there changes from generation to generation, but somewhere in there is always the card that will last you 2-ish years with good (not OMG LOOK AT MY 3DMARKZ!!!) performance.
So you can spend $200 on one of those cards now, then spend $200 on the next “version” of that card two years from now and have better performance than if you spent $400 on two of the current ones now.
Also keep in mind that sticking with single card solutions also saves you money on your power supply and cooling too.