ChipFlip
$75.99 separates the MSI RTX 4060 and the MSI RTX 5060 used, $249 against $324.99. Same board partner, same tier naming, two full architecture generations apart. That's an unusually clean comparison for the used market, where mismatched coolers and revisions usually muddy the picture.
What actually changed between generations
The 5060 sits on Nvidia's newer architecture with a wider memory bus and updated tensor cores, the kind of generational bump that shows up more in ray tracing and upscaling workloads than in raw rasterized frame rates. If you're not using DLSS or ray tracing, the practical gap narrows. If you are, it opens back up.
Nvidia's marketing likes to frame each new xx60 card as a big leap. The honest version is smaller and more specific: better efficiency, better upscaling quality, modest raw gains.
$76 is not nothing
At this price tier, $76 is close to 30% of the card's own value. That's a meaningful chunk of a budget build, and it buys more than most people assume, because xx60-class cards this generation are getting real architectural upgrades, not just a rename.
Who should skip the newer card
Anyone building strictly for 1080p without upscaling. The 4060 already handles that resolution comfortably, and the extra money is better spent on RAM or storage instead of a GPU generation you won't feel.
Bottom line
Take the 5060 if ray tracing or DLSS quality matters to you, or if you plan to keep this build for years and want the newer architecture's longer driver runway. Take the 4060 if you're 1080p-only and want to put the $76 somewhere else in the build.