I'm currently using a second hand GTX1050ti (Yeah, I know lmao), and the next big games I really want to play are Baldur's gate 3 and Starfield.
My other specs are quite beefy, since this is also my work computer:
Ryzen 9 5900X
64GB RAM ddr4
My monitor has a 1080p resolution, with a 60Hz refresh rate and I'm pretty happy gaming with that. Would an rx6700xt suffice? Is it overkill or just barely enough?
AFAIK the 6700 XT is more than suitable for 1080p@60Hz. AMD themselves market it as a 1440p card. I think the 6600XT could suffice for your needs, it runs Cyberpunk 2077 at 65-70fps on ultra settings at 1080p to give you an idea. For future-proofability you could consider the 6700 XT though, since it has 12GB of VRAM (as opposed to the 8GB of the 6600XT) :)