I count myself lucky and bit the bullet in upgrading one of my setups to DDR5/AM5 last spring through some careful shopping which had enough discounts involved to basically be MSRP or lower for nearly all parts. I still ended up dropping a lot of dough for everything but it was before things went bonkers again. My remaining 5800X3D setup is looking like it'll be here to stay, but that's not really a bad thing since it still holds up well. More than likely I'll just end up replacing its AIO in the next year or so.
The biggest difference between the two that I've noticed is that the 9800X3D uses less TDP and is more easily cooled due to its flipped cache design and a better AIO on it, and is just a little faster in terms of FPS or load times but not enough for me to justify doing another AM5 build under current market conditions.
On the flipside my build constraints are more related to wanting to stick with the two Lian Li mATX cases I'm using for them but if push comes to shove I do have another mostly ready AM5 build, sans processor, and a preferred PSU with slightly slower memory than the current 9800X3D build, sitting and waiting in a full-sized case. This was the catalyst for my first AM5 updgrade as a prebuilt with a 5090 that was nearly MSRP for all parts involved, and now is waiting as a backup plan depending on when AMD releases its 12-core Zen6 CPUs and when I might be able to afford one. However, I'm feeling more confident with every day that this will be one of, if not very, last builds I do before I retire with the way all of the PC and gaming industry is going. A fixed income isn't going to support this hobby.
