I think people overestimate the value of a little bump in performance. I recently built a gaming PC with a 9700X. The 9800X3D is drastically more popular, for an 18% performance bump on benchmarks but double the power draw. I rarely peg my CPU, but I am always drawing power.

Higher power draw means it runs hotter, and it stresses the power supply and cooling systems more. I'd rather go a little more modest for a system that's likely to wear out much, much slower.