For example, Gears 5 (2019), Rise of the Tomb Raider (2016), God of War (Feb 2022 so just about counts), Far Cry 6 (2021), Days Gone (2021), Cyberpunk (2020), Horizon Zero Dawn (2021), RE3 Remake (2020), Doom Eternal (2020) ... there's lots of games more than a year old that can use more than 4GB even without RTX.
If you're happy to fiddle with settings (which I'm sure everyone here is!), you can go medium on certain settings to gain FPS and high / ultra on textures (which costs very very little).
And this is without considering, as I said earlier, losing 100s of MB's to browser tabs, discord, multi monitor, high res desktop, whatever else. And this also doesn't take into account mods for games like Fallout and Skyrim etc which are decidedly one of the perks of being a PC gamer.
And of course you really want to avoid the PCIe bus for video memory if you want to avoid lows, stutter and general jankiness. And this is particularly important for DX 12. The money I spent on the extra vram was certainly not wasted IMO. Infact, without it, my card would be underperforming much like a 4060Ti does.
PS4Pro has 5.5GB for games, X1X has 9 GB for games. An RX 570 is in the middle of those two in terms of performance. Having < 4GB physical VRAM available for games would be a detriment to the card IMO. Especially for cross gen games.
I personally don't want to spend money on a graphics processor only to clip its wings with the amount of vram it has. I'll happily spend a bit more to avoid that.