I sort of get where you are coming from in that Chaos-Group seems to assume that successful-businesses that use their software have magically always been in existence. (They ignore/shun new adopters).
However, if you are making no money whatsoever, why do you need 3ds max and Vray? (Upgrading cost is similar to 3ds max indie subscription).
RTX3000 series were not really used for mining in any great number, most were scalped and in any case, Ethereum-mining is coming to an end this year. So in the future, which is what you are hoping for with “Vray-indie”, they will be available. In the UK brand new founders-edition cards are still available on Ebay many months after release and their price is dropping. Also, at some point in the future, there won’t be a global chip-shortage. In fact the opposite will probably be true, there will be too many of everything as greedy companies over-correct.
If cost is an issue, use Blender and if you’re not getting paid much then it doesn’t matter if a render takes all night for one still-image. The only reason Autodesk is offering the Indie-versions is because of Blender.
I don’t subscribe to/rent Autodesk products. I have one perpetual licence (2016). You can buy lots of high end hardware with the money saved by not renting. Indie licences are a new thing and Autodesk has automatically tried to charge the full price the subsequent year for some people, so watch out for that. Also, I wouldn’t want to rely on something that Autodesk could cancel overnight and just point you to the full-price version. Autodesk is not about creating the best product or service. Autodesk wants your money first and foremost and will do the bare minimum to get it. For this reason Autodesk products are best avoided. These days I fund the competition.
Edit: Also, it could be argued, especially if I’m doing the arguing, that Vray for Blender is the “Indie” version.