I am a huge advocate of never settling for less than what you want in PC Building. I feel like in practice, saving $20 here and there adds up to over $100 over all, but you dont feel as happy. I think its better to just keep saving until you have to get what you want so there are no regrets.
That being said… i understand the high cost and unwillingness to pay absurd amounts of money because corporations. I think every industry has that battle where its consumer against profit lines and the middlemen are just along for the ride, receiving all the hate for it.
If I had to cut cost anywhere, it would be on the case and peripherals. those enhance the experience but will not effect the total build itself.
I wont skimp out on monitor because monitors typically last 2-3 builds, which could be 8-10 years for the enthusiast. when I built my 2016 build, i had dual 1080p 120hz monitors. in 20219, i upgrade to dual 1440p 165hz. im still using those 1080p monitors to this days in extended displays so they dont go unused.
As someone who has 9 fans in my system, i dont think its its wise to disregard good air flow either. 9 is a lot, i think 6 is the sweet spot but thats up for debate. What isnt up for debate? RGB fans. some companies charge like $40-60 more just for RGB and fan controls and Well its nice… and it does fall into the category of " build it right so you can be happy ", i feel like RGB on a pc that you dont really look at, and adds no functional value to the system… I just can’t advise it be kept.
Back to the main topic… Memory is pretty stretchable. What matters the most in a Memory module is really the CL cache. ill take a 6200mhz CL 30 over a 7000mhz CL38. At some level, there is a depreciating cost to what you pay a premium price for. I love my Trident Z Royals ( 3600 CL18 ) like no tomorrow but spending $340 on it 6 years ago was crazy! Will I spend $700 on a 64gb 6400hz CL32? I am 70% sure I will… but I am not the example to follow. I understand I could save $300 just by going a 32gb 7200mhz CL 34 Kit.
if you ever have questions about these type of niche attention to details, I honestly just advise to google things. Dont let AI explain it, visit forums, watch videos, read articles. Look at at least 5 sources of information and then form a opinion or decision. Dont feel afraid to be biased in the questions either. " is intel more stable than amd " " does gksill last longer than other brands " " does the super flower psu have a issue power delivery compared to other brands " . As long as the bias is general and not direct " is this micron ssd better than the san disk " " will this msi mag 360mm cooler keep temps cooler than this lian li gallahad while gaming " I think you will overall find the information you want.
Sorry for building walls of text higher than Wall Maria. Hopefully some if this information can be useful, but also, if you have a different opinion, reach out and feel free to discuss it. I implore being more open to suggestions and ideas.