It can be a tricky thing to offer suggestions, sometimes, haha. It largely comes down to "how much are you willing to research the best price/performance for a cooler, for RAM, etc" and "if the X3D CPU is available at a price not drastically higher than an alternative you're considering, it could be worth your while."

With the X3D CPUs, you'll typically notice your 1% lows will be a lot better than with the non-X3D CPU. If you're trying to hit high frame rates, you'll want both an X3D CPU and a really strong GPU. Nvidia have things like multi-frame gen, which creates up to (iirc) 5 synthetic frames per 1 legitimate frame, which aims to give you a smoother output for cases where maybe you're not hitting good framerates to begin with. AMD are supposed to be bringing out similar applications for their GPUs but Nvidia are ahead of them by at least 18 months on that front at the moment.

Easy answer is to spend as much as you can on getting both the X3D CPU, AND a really good GPU, but right now prices are obscene for GPUs. If you're capable of waiting until late next year, AMD's next GPUs will be out and they're supposed to bring a substantial increase in ray tracing performance over their current level. With PCs, you'll always hear that the next generation of something is just months away, which could be the CPU, the GPU, SSDs or something else. For gaming, though, any reasonably priced PCIe Gen4 SSD is more than ideal - games can't take advantage of the higher speeds beyond that.

You might want to research what the likely frame rate would be for your GPU and the types of games you enjoy playing, and perhaps get a monitor that isn't significantly above that - I.e if you're likely to be playing games at 4K, or maybe 1440p and your GPU can't go above say 110fps on most of your games, then a 120-144Hz monitor is likely to be all you need. Don't spend more money on a higher spec screen if your GPU can't feed it. Look to make some kind of savings there if you can, and remember: you can always splash out on a much nicer screen in say 2-3 years.

TLDR: go for an AMD X3D CPU, the best GPU you can afford, and then a monitor that isn't overkill for your PC. Go a little cheaper on the SSD and ignore the absolute top-end there, as games can only load so fast and SSD speeds are bonkers nowadays.