Totally not worth the money right now, and probably never will. I'd take just more standard rasterizing performance any day over RTX and DLSS. The amount of transistor cost ray tracing incurs is just not worth it, and I think this will be evident when Navi launches as it can provide much more bang for buck without wasting die space on meh features only available in select games. Nvidia could of course do the same with GTX 1660 but that would not make sense until they actually have to compete. I think part of the reason these non-RTX chips are coming to the low end is simply to prepare for that eventuality.
The reality is that the value proposition in GPUs won't improve that much in the future. AMD potentially coming up with a more competitive architecture is one thing, and Intel entering the market is another, but beyond that from a consumer perspective there isn't a lot to be excited for. Nvidia jumping to 7 nm production likely won't bring us cheaper cards, just even more expensive ones at the high end. This is all due to increasing transistor costs of the new nodes. We'll get power improvements and clock speed upgrades, but per transistor costs are only going up, so while it's technically possible to double up on transistors, it'll also cost more than double. Nvidia has conditioned the market to high prices, but in the next couple years the prices are unlikely to go down significantly, and the only place where more value is derived for the consumer is by Nvidia, AMD and Intel doing price competition and settling for smaller margins. It's not surprising to me that Nvidia's stock is falling, not just because of mining sales lies, but because their outlook just isn't one of growth.