Tips for GPU-friendly Vtuber streaming?

[BumbleVeeAU]

I have a decent gaming setup (CPU: Intel i9-9900K, GPU: Galax RTX 2070 Super, RAM: 32GB Corsair at 3200MHz), but I'm really struggling to run face/hand tracking + rendering my 3D model + running the stream on my computer. I doubt having 2 monitors is helping the situation either. With that setup, playing Dead By Daylight on the lowest setting has 80% dropped frames due to rendering lag and a 5 second delay between by keyboard input and character response. Even Minecraft struggles on anything except the worst settings.

Does this sound right, or is there a deep mistake somewhere? I just took a default model and removed more items than I added. The path of the model is creation in VRoid Studio, upload to Vtuber Maker which outputs the model with a greenscreen, this then goes to OBS Studio where the chroma key filter removes the background.

Don't get me wrong, I'd kill to cave in and buy an AM5 processor and $30,000 graphics card, but for some reason my debit card said "absolutely not". So if there is a way to magically compress the 3D model into less parts, that might be more feasible.