Cycles gpu memory usage

Hi folks,
I have searched a bit but couldn’t find a satisfying answer.
I am curious about if Blender 2.8 cycles gpu render use system memory when it run out of vram?
And does it affect performance too much?
I will buy a new video card however can’t decide between Radeon VII or Rtx 2080. One has the advantage of 16 gb memory and the other has the use of ray tracing. Does ray tracing become effective in Blender anytime soon?

I watched an interesting hardware benchmarking review YouTube video today and it had the Radeon vii quite high and seems to offer good value for money.

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