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After looking at costs and how much I have now, I worked out the main difference between both builds is how much is left on my credit card after I pay most of it off. Not spending all my cash I have, going to keep about 1k for any unseen extras like that extra 300 you had.
and possible custom PSU cables.

Not worried about leaving some on credit, I have spent the last few weeks bringing its balance down to about 200 now. It will be all over the place in the next few weeks.

Worked out I can arrange to pick up the 9800x3d & nvme locally and pay cash for them instead of putting them on credit.
Its the same thing anyway, I would have just paid the charge on my card as soon as it showed up. Might ring them up and confirm they have them there before going out. No point wasting time.

Mum took PC's life into her own hands, she turned it off. I was going to just leave it on, but no... I don't really care if it never starts again.

Need to buy 2 long USB extension cords to attach mums new PC to her mouse and keyboard as she is going to use same table, but my case won't fit in the corner where it is.

just found out my ISP offers 5x my download speed for just $15 extra per month, need to enquire about that after I upgrade. Need to ask if it needs a different modem as not going through that again. They sent last one out and hadn't set up their backend to deal with it. Didn't have internet for a few days. It might use same modem
 
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