The 24GB of VRAM is 100% worth it alone. If you want to do local ML stuff you _need_ that 24gb of VRAM.
64GB of ram + 24GB of vram lets you run a lot of the medium size models at decent speeds. I don't use Colab personally but AFAIK it should work fine for you if you don't want to do it locally.
Also worth noting is the newer ray tracing rendering that cyberpunk is doing. You should checkout the demos IMO it looks sick. It only runs at 18fps on a 4090 so it's only playable on a 4090 + dlss, and I'm not sure if the newer rending tech will be super achievable on any of the other cards - if that's of interest to you.
Llama is basically an auto-complete right now. We're celebrating baby's first steps. It's not really worth the $600-1000 jump up from cards that can run all current games 4k60.