Long story, but I ended up doubling my budget and building a complete new system around the the 12400F. The whole system is a departure from what I would normally build, but pc part prices are not normal these days. If I can get two or three years out of it as it is now I'll be happy.
It ran FSO with with no issues, and in fact I was surprised that there were no hiccups at all.
Running 1440p @ 165Hz
i5 12400F $160
MSI B660M Mortar $160
ID-Cooling SE 224-XT $30
G.Skill Ripjaw DDR4 3200 CL16 $0 I already had this in my other machine.
XFX RX 6700 XT $500 I believe this is my first Radeon gpu. I would have like a RTX 3070 but the slight performance increase over the 6700 isn't worth the $150
price difference to me.
EVGA SuperNova 80+Gold 750W $75 I was a little leery of getting a psu named supernova but the reviews are mostly positive for it.
Silicon Power A80 512 GB M.2 NVME $60 I already have 1TB Crucial MX500 ssd, and 2TB hdd so I just need the NVME for the OS.
Phanteks Elite P360a $70 Good looking case at a good price, and got the doesn't suck rating from Gamers Nexus.
I went the no rgb route, I even replaced the two included Phantek rgb fans with some non-rgb fans I had in my parts bin.