I'd tend to agree about the RT hardware. I'm not at all convinced it's strong enough to justify the sacrifices to resolution and frame rate. For me it wasn't in Ratchet, which I ended up playing in the regular 60fps mode.
That's backwards for me, I see RT as a real increase in graphical fidelity and what give the WOW moment, but because gamers just focus on higher Resolution and 60fps we don't get to have a real jump.
~Also Ratchet clearly blows anything from last gen out of the water so OP is crazy regardless.