Hardware usage and performance

Hei!

I always tought that I need good GPU for Illustrator and Photoshop.
My GPU is compatible with Illustrator with GPU performance thing turned on. I have most complex cartographic world map open with millions of points, still GPU temp goes hardly above my body temp. It is not smooth and fast and large files tend to crash more often than smaller ones.
My new and faster PC's performance is similar to my 6 year old PC's.

I tested different processes like exporting raster from Illustrator, rasterizing PDF in photoshop, opening files. Never any resource gets fully used, RAM, CPU, GPU nor VRAM. What should I make of it? Performance limits are coming from programs itself and no hardware matters beyond recommended requirements?I would expect that hardware works in full capacity and makes everything as fast as possible.