It seems to be a GPU limitation.
I decided to toast (burn up a AMD RX-5700XT) by making some GPU firmware (bios) tweaks and finally writing a bios of my own <<(I'm sure AMD would frown on) and managed to get some good results. I will be sharing my results through the AMD Bug reporting system because some of what I found may help with both newer and older cards, at least for AMD. Unfortunately, I am unable to get the systems support in using the PCI-e Resizable Bar for the card, because the 5700XT does not have the hardware support for it.
Good results. Just changing memory timings with a memory mod. (Link Below)
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Insane results. Just before the card overheated and the system shut down.
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Hybrid Mod.
Source: https://www.youtube.com/watch?v=JbwE6p41OGo
Determine if your card supports "Resizable Bar". Your bios may support this, but it seems you need a 6000's series card to use it.
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It may say "Enabled" here, but this is only if it is supported in your systems bios, not your cards ability to use it.
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Use the "Advanced Tab" to see if your card can use the "Resizable Bar". If "GPU Hardware Support" and "Graphics Driver Support" say "No" and "Unsupported GPU", then it does not matter if you have the proper settings in your bios, your card is not hardware compatible.
I have two more RT-5700XT cards, one of which I will do some more testing on, since my system no longer supports Cross-Fire.
WARNING and DISCLAIMER: I know what I am doing. I'm willing to burn up, (or brick) a couple of cards if things go wrong.
DO NOT ATTEMPT these things if you do not understand it, or if you value the card you have. You may brick your card with firmware (bios) changes.
Thanks. Be well.....