I have never used a 144Hz monitor, so maybe my original plan was overpaying for something that provides no value?

If I'm just looking for a smooth experience playing 3 characters (even in hectic situations), what kind of video card and processor should I be targeting? I have been told that I should be looking at a 2070 or 2080 for a card and a 9700k for a processor. Is that overkill?