Hello Wayne,
my own view is that 2k is ideal for a 32" monitor.
My 4k monitor is a 43" monitor, not a TV as is often used and for me, that is also the ideal.
The monitor's maximum refresh rate is 144hz, but I can't really tell the difference.
I gather that would be more useful for action games, where things move much faster.
A 4k monitor will commonly operate in a range of resolutions, up to 4k.
All lower resolutions will look worse than the "native" 4k resolution, just as they do at
lower resolutions than 2k on an up to 2k monitor.
I can say that 4k is much harder work than 2k for any GPU and that a capable GPU may well
cost far more than any other component in your PC.
I was quite happy with 2k on a 32" monitor, until I found the means to change my 1070ti card
for a 3080ti and that's when the 4k monitor became a credible option.
It was a lot of pennies to spend, but the improvement was as spectacular as yours is on your new
4k TV and for me, worth every one of those pennies.
In the end, it is of course a decision that only you can make.