That's what I'm thinking too.
AMD's 7 nm chiplets are very efficient (under load at least), but are a nightmare to cool in a SFF case. I'm currently using AMD's stock Wraith cooler with the 3100, but I also have a be quiet! Shadow Rock LP on the shelf for a potential upgrade. I ordered it for the 3600, but it wasn't enough to cool it down in my PC case for some reason. Currently I'm happy with the 3100, but that won't always be the case, and my options are limited due to the cooling difficulties I'm facing. I could just dust off the Aerocool Aero One Mini case that I have and call it a day, but nah. Where's the challenge in that?
I'm actually in the UK.
But as you said, RKL CPUs are quite cheap, it's just the motherboard that costs a bit more than with AMD.
The funny thing about my PC case is that even though it's a slim one that only accepts low profile graphics cards and CPU coolers, micro-ATX motherboards aren't an issue. I'm using an Asus B550M TUF Wifi at the moment, and I would be a bit sad to swap it for something else (unless it's of the same quality as this one).
If I go Intel again, I want to be looking at something similar - the Asus B560M TUF Wifi, or the Asus Z590M Prime are the ones with similar-looking quality and affordability available in my area. As for CPU, I was thinking about a Core i7-11700 non-K and locking its PL1 to 65 W, and PL2 to whatever I can cool. Hopefully, the Asus boards I looked at (or something else) would let me do that, even if it's not their default setting.
If I stay with AMD, I'm very curious about the Ryzen 5000G series, especially the GE models. A monolithic die could potentially be easier to cool than chiplets, not to mention the low TDP they have. The backlash here is that AMD's TDP values have very little (if any) connection to reality, so even the GE chips might end up being difficult to cool because of their high turbo speeds. Not to mention that they're not available (yet).