It depends on what your needs are for a monitor. If you are used to 5K 2xRetina then 4K will be a little off. I am currently using a 27” 4K display scaled to 1440p. It is not quite as sharp as a true 5K display but it works well enough. Until recently the only 5K monitor was a pretty weak LG. The new Apple Studio display does finally bring out a desirable monitor but I’m not ready to spend that much for a personal display.
Stay away from an old 2K 1440p at this point. Since Apple removed the old sub pixel rendering, those 1440p panels look too soft anymore. The 4K scaled 1440p looks much sharper than those.
Yeah, I'm pretty happy with the 4K scaled to 1440p as well. Scaled to 1080p looked so crisp and well-rendered I could cry, but the UI elements were far too big.
My main use case for the Mac Studio is photography and video editing, so an Apple Studio display is definitely on my wish list.