That being said, for AI, HEDT is the obvious answer. Back in the day, it was much more affordable with my 9980XE only costing $2,000.
I just built a Threadripper 9980 system with 192GB of RAM and good lord it was expensive. I will actually benefit from it though and the company paid for it.
That being said, there is a glaring gap between "consumer" hardware meant for gaming and "workstation" hardware meant for real performance.
Have you looked into a 9960 Threadripper build? The CPU isn't TOO expensive, although the memory will be. But you'll get a significantly faster and better machine than something like a 9950X.
I also think besides the new Threadripper chips, there isn't much new out this year anyways to warrant upgrading.