the 4060 is a borderline scam from a gaming perspective, hence the reviews
but its not bad to the point where you should never get it; you have one of the rare use case where nvidia is simply superior
I only dabbled in ML for a paper in regards to QC so I cant exactly provide any in depth insight.
The one thing I can confirm is that lot of super new implementations are made for Nvidia hardware. However at least for my use cases the 3060 (12gb) already had severe memory limitations, to the point where I had to use the universities Server.
If you go into MI I would assume your university offers a similar service. The main question would be how accessible they are for you (waitlists etc).