If you're OK with a dead-end platform, you can get insane cost-performance if you get a Zen 3 X3D CPU. Even now the Zen 3 X3D CPU's are competitive with current gen CPU's, and you can shave off some money because the motherboard and RAM are older too. The motherboard that you selected seems really expensive for a motherboard - is there a particular reason you selected that one?
I'm also firmly in the camp that stock coolers are sufficient, so if you can get a CPU with a stock cooler, that'll shave off some cost as well.
I'm not entirely sure why you went with 2 1TB NVMe drives. If you need tons of storage space, the most cost-effective option is still to pair an SSD and a hard drive. For instance, you could replace 1 of the SSD's for a 2 TB hard drive at the same cost. Me, personally, I would go for 500 GB SSD + 1-2 TB hard drive. But that'll depend on how you prefer to balance speed and storage space