1300 day payback period is a joke, your card will be worth $200 and obsolete for mining. This would make your card the same age as a 980 ti, selling for $180 on ebay. So your 1,300 day return is $180. Unless their is a rally, which is more then likely to happen.
I agree 1300 day payback period is a joke and that's if your lucky enough to have a 10 cent watt rate for residential, 100 percent uptime and I didn't even include the power it takes to run the cpu, motherboard, system and cooling. So the real pay back period is probably much longer than 5 years. But I guess that's what mining is at its current phase. Its over saturated with plenty of dumb miner money and It's a race to the bottom.
It's so easy to mine and everyone knows how to do it and people would pay to do it for entertainment. If you want to be successful do something that nobody else knows how to do or wants to do. I would not rely on gpu mining to replace my day job (sorry Vosk you got roasted buddy, good thing you get some income from youtube)
I accepted these fact and only mine as a hobby now. Quite an expensive one