Running a card below it's PCIe requirements, is not optimal for sure, but maybe it's not so bad.
I mean I have done successfull testing (and continuing doing so) with my PCIe 4.0 X8 rx6600 and a PCIe 2.0 Sandy Bridge from 2011. That means quarter bandwidth, amirite? And the worst part is not the bandwidth, it's the signal encoding. As a reminder, the PCIe 2.0 had 8b/10b encoding while on later revisions it went to 128b/130b. So it's far worse than just the quarter bandwidth.
You wouldn't believe the results tho. If anyone's interested here are a few of my latest tests. (non monetized)
Callisto Effin Protocol, runs at mostly 60fps at Ultra, with quite a few framedrops, but still...
The dispoken Forspoken, runs easily above 30fps at High, while OK it's too much cpu limited.
For the people that are fed up with the PC and want to get a console instead, keep in mind that this system existed for three years inside the PS3's life. Show me how the PS3 runs anything today, hmmm.....! The Callisto Protocol specifically runs at higher settings than Gen9 consoles, ok? And Forspoken runs better than all XBOXes combined and all Gen8 PS4s combined, if you get my drift....
Also in some indies, you can even have 4k with that PCI 2.0 bus. For example
Planet of Lana (god I mispelled that initially, almost good for another two week vacation xD)
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Warhammer 40000 Boltgun
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And some light Unreal Engine 5 games, like Layers of Fear
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This one has a nice effect at 12:35, where you play a record inside a haunted burnt room and the room gets restored in real time, essentially swapping all assets. Very cool.
In all the above, right next to the power draw of the card, is the bus load and it is very low in most instances. Although I don't understand how msi afterburner calculates the percentage here. I mean, what would be 100%? Too much bandwidth or too much IO requests?
Moreover, regarding PCI 3.0 vs PCI 4.0, I have a run of Plague Tale Requiem, on the PCIe 4.0 4070ti paired with the PCI 3.0 8600k.
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It runs like crazy and the system does not care. 100-120fps/Ultra no RT, without any framegen. And that's on the FIFTH most powerful card from the top. As a reminder, for the 60fps patch that just got available for the consoles, the game also runs at 1080p BUT at much lower settings. It was 1440p/30fps/medium everything/ultra textures, it is now 1080p/even lower settings than medium AND they have reduced the textures too. No RT in sight of course. I bet the 4060ti can do better than the consoles, even with it's meager 8GB framebuffer.
Just raising some awareness, for people that don't have a clue, what their money is worth, when buying PC parts.
So yeah, the 4060ti will be mostly fine with PCI 3.0 connectivity, except maybe those cases, where the user cranks everything to over 9000 and forces crazy pcie data swapping.