I totally get the fear of OLED! My buddy got burn-in after six months and it was a nightmare getting it replaced. Recently switched to a high-refresh IPS and love it! Are you playing mostly fast shooters or cinematic stuff tho? IPS is way more reliable for long term use. These are fantastic for your 4070 Ti Super:

• ASUS ROG Strix XG27ACS 1440p 180Hz Fast IPS
• LG 27GR83B-B 27 inch UltraGear QHD 240Hz

Honestly, if you're worried about the OLED subpixel mess and burn-in issues, you're right to be cautious. I've seen too many people regret jumping into OLED too early, especially if you do any work on the side. Since you want fast FPS and real HDR under $500, I would suggest looking at the AOC Q27G3XMN 27 inch Mini-LED 1440p. It has those local dimming zones that actually make HDR look decent compared to standard IPS panels. Just be careful with the settings though... some of these panels need a firmware update out of the box to fix brightness bugs. Another safe bet if you value motion clarity and reliability over peak HDR brightness would be the LG 27GP850-B 27 inch Ultragear QHD Nano IPS. It's a classic for a reason. Just make sure to check for backlight bleed when you first get it. If you need any help with the calibration settings once it arrives, just let me know.