There are plenty of YouTube videos that show about 5% difference between a 13700f and a 13900k in game. Does your setup perform better than average in 3d mark? I’m getting it off here the posts on this thread are insane.

The 13700 none k should be able to run similar to the 13700k. Does it manage to maintain a good boost clocks? If not you should be able to get a better cooler and adjust CPU and ram bios settings so that it should be good enough for a 4090. Struggling to believe you feel the need to upgrade with a 13700f.