So how bad are the 3090 memory issues?

I'm not ready to upgrade yet but I'm just wondering how bad the 3090 memory issues are, and what can reasonably be done about it. I asked once before and the response was basically "there aren't really any good options to deal with it", but I have a hard time believing that some heatsinks wouldn't take care of the issue. So I guess, what are my options? Is the 3090 so bad that I should just avoid it?