You are right but there is very little performance gains after 3200mhz ram acc to Linus video and 650w PSU is way cheap so I have done my config hope it helps
PCPartPicker Part List
Type
Item
Price
CPU
AMD Ryzen 5 3600 3.6 GHz 6-Core Processor
$172.76 @ Walmart
CPU Cooler
NZXT Kraken X53 73.11 CFM Liquid CPU Cooler
$129.99 @ NZXT
Motherboard
MSI B450 TOMAHAWK MAX ATX AM4 Motherboard
$114.99 @ Best Buy
Memory
G.Skill Ripjaws V 16 GB (2 x 8 GB) DDR4-3600 Memory
$76.99 @ Newegg
Storage
Crucial P1 1 TB M.2-2280 NVME Solid State Drive
$119.99 @ Newegg
Storage
Seagate Barracuda Compute 2 TB 3.5" 7200RPM Internal Hard Drive
$59.36 @ Amazon
Video Card
Gigabyte GeForce RTX 2070 SUPER 8 GB WINDFORCE OC 3X Video Card
$499.99 @ B&H
Case
NZXT H510 ATX Mid Tower Case
$69.98 @ Amazon
Power Supply
Antec High Current Gamer Gold 650 W 80+ Gold Certified Fully Modular ATX Power Supply
$49.96 @ Amazon
Prices include shipping, taxes, rebates, and discounts
Total
$1294.01
Generated by PCPartPicker 2020-04-28 01:55 EDT-0400