The issue is IMO on AMD´s side. Their drivers are known to be shitty for years. I -blam!-ing regret that purchase with passion.
For example: The newest drivers offer 30% less performance in Destiny 2 than 20.4.2 drivers. But those drivers are incredibly shitty as well(daily black screen bug issues needing restarts of OS all the -blam!-ing time).
If RTX3000 series card were available I would gladly change this piece of shit of a product.
I will test 20.1.3 which are the drivers that are apparently capable of having the old performance AND not having the black screen bug. I will update this as I will test it.
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For me personally having a rx6800xt every game except for d2 works phenomenally so there is no way this is just amd's fault
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Apparently it's still on Bungie's side. Or the game is straight up super intensive now and nothing can fix it. Most people I know who have high-end GTX and RTX cards are still at 50-60 most of the time, same as me.