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Quick Answer
Upgrading from the RTX 3060 Ti to the RTX 4060 is not worth it. The RTX 4060 is only 5-10% faster in rasterization. The main gains are DLSS 3 Frame Generation and better power efficiency. Wait for the RTX 5060 for a meaningful 40-50% performance jump.
The biggest difference is DLSS 3 Frame Generation, exclusive to RTX 40-series. In supported games, the RTX 4060 can be 30-50% faster than the 3060 Ti. However, Frame Gen adds latency, and not all games support it.
Instead of a lateral move to the 4060, save for an RTX 4070 ($750 AUD, net ~$470) for a 40-50% rasterization improvement. Or wait for the RTX 5060 which should offer the same jump at the 4060's price point.
Our Verdict
The RTX 3060 Ti to 4060 upgrade is not worthwhile. The rasterization gain is too small, and DLSS 3 is the only significant improvement. Save for an RTX 4070 or wait for next generation for a meaningful upgrade.