Refresh rate framerate bottleneck? 4K

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So if I understand correctly, the refresh rate will ultimately decide how many fps will be actually displayed. I.e.g a 60hz display will never display more than 60fps, even if the game or application outputs a higher fps.

Allegedly, 4K TVs claim to have refresh rates up to 240hz and beyond, but these are often enhancements after the fact to make the image appear smoother even if the actual refresh rate is lower. Some say they can not actually display more than 50-60hz at this point.

Then the question is, for someone who want a gaming setup with the smoothest experience and best framerate, is 4K gaming futile at this point? Should one stick with 1080p until displays reach 120hz of actual refresh rate?

Thoughts on refresh rate bottleneck please.