Navi 21 XTXH cannot be a variant with HBM. Navi 21 does not have HBM controllers or PHYs, so it is physically impossible to use it with HBM memory. Navi 21 XTXH is most likely a mobile variant.

If there is an RDNA2 die with HBM support, it will have a different number, like how Navi 12 is identical to Navi 10 apart from its memory interface.

Tech journalists should already know this. Check your facts before you make impossible speculations.

Or there is a chance that due to hbm2/e being more power efficient that these could be upcoming high end mobile gpus to combat the 3080/ 3070 mobile then the 22/23 will use ddr6 as lower powered gpus 🤷

Interesting.
These GPU's... that is, IF they indeed come with HBM2, could easily end up with more vRAM than existing GDDR models... and obviously, similar or better bandwidth.
It could also further improve efficiency.

AMD is also working on releasing super resolution (their answer to DLSS) this year, so that's going to be interesting to see.

As for raytracing performance... its possible that pre-existing games need to be patched up with support for AMD version of Raytracing... because up until now, they've been heavily optimized for NV.
Not saying this would suddenly bring AMD's RT performance up to Ampere level, but its possible it could improve it to the point where its much closer than now.