1 As others have said ... common sense says wait for the holiday season .... new stuff will be on the table and today's stuff will be cheaper.
2. Smarter sense says wait till 2021 when superior 2md and 3rd stepping are out.
3. On the MoBo front, I would avoid the budget chipsets ... the just aren't cheaper enough to warrant what you give up.
4, What will you be doing with the PC ? That's the only sensible way one can make a recommendation. Let's make some comparions.
Given your component choices and current 1080p monitor... lets look at some CPU choices.
A. 10700k ($410) versus 3900X ($420)
Gaming: 10700k = 100% / 3900x = 93% (OC'd the 10700K picks up 1.3% / OC'd thre 3900x was slower) .... 10700k is 7.5% faster ignoring the OC advantage / 8.9% OCd
Video Editing: Gaming: 10700k) = 236.5 / 3900x = 252.2 (OC'd the 10700K = 228.6 / OC'd thre 3900x was slower) .... 10700k is 6.6% faster ignoring the OC advantage / 10.39% OCd
Temperature: 10900k = 61C / 3900 XT = 73C
B. 10900K ($530) versus 3900XT ($500)
Gaming: 10900k = 108% / 3900XT = 100 % (OC'd the 10900K picks up 0.8% / OC'd the 3900x was slower) .... 10900k is 8% faster ignoring the OC advantage
The Ryzen 9 3900XT is the flagship of the new AMD Ryzen XT series. It comes with higher boost clocks and can sustain them better, which helps with single-threaded workloads. In our Ryzen 9 3900XT review, we also saw better overclocking and lower temperatures than on the original Ryzen 9 3900X.
www.techpowerup.com
Video Editing: Gaming: 10900k) = 229.9 / 3900XT = 247.8 (OC'd the 10900K picks up 1.2% / OC'd thre 3900XT was slower) .... 1000k is 7.8% faster ignoring the OC advantage
Temperature: 10900k = 54C / 3900 X = 79C
C. 10600K ($265) versus 3900XT ($250)
Gaming: 10600k = 107.4% / 3600XT = 100 % (OC'd the 1000K picks up 1.9% / OC'd the 3600XT picked up 0.2%) .... 10600k is 7.8% faster ignoring the OC advantage,
Video Editing: Gaming: 10600k) = 241.0 / 3600XT = 249.8 (OC'd the 10600K picks up 4.2% / OC'd thre 3900XT was slower) .... 10600k is 3.7% faster ignoring the OC advantage, 8.0 % with.
Temperature: 10600k = 56C / 3600XT = 73C
As you can see ... it's a competitive fight up and down ... but for my money, the price difference would not be enough in either case not to get the one that comes out on top.
If it's just gaming ....
D. The 10400F ($180) is faster in gaming than anything AMD has
For what you have so far, I like the 10700k paired with an $189 MSI Z490 Gaming Edge Wifi ... if you gonna go big into the OC thing, I'd move up to the ($289) MSI MEG Z490 Unify which has an outstanding S+ (super overkill) set of VRMs. The Asus equivalent to the Unify. The reviews and user feedback on both boards is up there
The Edge is the best selling board on newegg w/ 87% of Newegg board owners gave it 5 eggs and 13% 4 eggs ... 0% negative reviews
The Unify is up there too is the best selling board on newegg w/ 82% of Newegg board owners gave it 5 eggs and 9% 4 eggs ...9% negative reviews
While Intel kicks tail in gaming as well as photo and video editing, is that the biggest challenge your CPU face ? If you are doing significant brain neuron simulation rendering on an every day basis, then you should look at AMD.
5. As for cooling, I could never recommend a AIO CLC type cooler and it's accompanying science experiment in galvanic corrosion. And while the inclusion of extreme speed fans cane somewhat offset the aluminum rads, that are an assault on your ears.... in excess of 50 dbA. You are not gong to run into issues with the Intel CPUs at stock settings .... (temps usually 54-60C) .... but if you gonna push a 10900k to the limit, you gonna be overtaxing any AIO made today ... even the EK Phoenix 360 which is currently top dog....3C cooler than ya H115i Platinum needs 52 dbA (light traffic) to accomplish that... Anything over 40 dbA is far too intfrusive and 50 is twice that. Of course if you play with earphones... no issue,
Rendering yes .....
Even the $160 i3- 10400F (267.40) trails the $500 3900XT a run for its money (93%) ... being in the middle of the 3600 and 3600X