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My pre-built desktop PC is as cheap today as last year at the same store...

Dont get the panic. :)

ryzenn 9800x3d 32GB ram 9070xt

about 2k

Then you overpaid a year ago. A 2x16GB DDR5 kit was around $90 a year ago and is over $400 today.

For DDR sure, now add all the other components :)