The real question is whether you'd actually use that high refresh rate, and the answer for most people is no during work hours. Where you might notice the 144Hz is in gaming, sure - but you're paying a premium for something that sits idle eight hours a day while you're doing email and spreadsheets. A 4K monitor gives you the practical advantage of fitting more windows side by side without squinting, which actually matters when you're juggling multiple documents or browser tabs.
That said, there's a middle ground worth considering: some gaming monitors now come in 4K or high-res variants, though they cost more than a basic 4K panel. If budget's tight, go with the regular 4K for work and grab a decent 1440p gaming monitor separately if gaming matters enough to justify it. Otherwise you're just wasting money on a feature you won't use. The cheaper 4K route makes more sense if your workspace is your priority and gaming is just evening wind-down.