>>106636284
Using Germany as baseline as they tend to have some of the lowest parts prices in the EU but feel free to adjust them to your local market or whichever nation you have favorable important duties access. Do you not need a case? What's your current monitor model #?

The 9800X3D is overpriced for the performance uplift it has on the 7800X3D, see here (basically 5% in games):
https://www.techpowerup.com/review/amd-ryzen-7-9800x3d/27.html
AM5 will have support through 2027 or longer so you can always add an endgame CPU upgrade to your system later for cheaper when necessary.

The MSI PRO B650M-P's VRM is too weak and throttles top-line AMD CPUs according to HUB tests:
https://www.youtube.com/watch?v=pUUVW7wgR3s&t=1401s
Your next most affordable option is the ASRock B650M-HDV/M.2 (avoid the HDV/M.2+)

2TB NVMes are better with how bloated apps/games/OS are these days and are a better deal €/GB wise (here it was only 15€ more than the 1TB Samsung drive to double capacity)

Nothing wrong with the PSU if it's a good price but it only has a 7-year warranty whereas this MSI model has a 10-YR warranty.

Edited PCPP List: https://de.pcpartpicker.com/list/HKWxzP
Saved 205€