What do you think? Do you see any bottlenecks or budget balancing issues? I need it for CAD/CAM, 3D modelling, gaming (Cyberpunk, Witcher3 with raytracing, BG3)

The site says the cooler is not compatible, but according to noctua it is, if I mount the radiator underneath the cooling block.

Is the mainboard ok? I don’t see the benefits of the more expensive ones. All they have is PCI 5.0, which the GPU doesn’t utilise, and the riser card for the Terra is also only PCI 4.0