No one is recommending a 9800X3D as a good price-performance point.
We were talking about the Ryzen 5 7600X3D, which should be cheaper than the 265K, and a lot better at games.
EDIT: The Ryzen 5 7600X3D is apparently not available in the US, pcpartpicker has no known price for it. This changes things, as the 7800X3D is more expensive
The Intel 2xx series are great chips, very efficient and they excel at multicore productivity workloads, they just aren’t better at gaming than the last gen.
I’ll put together some comparison builds with US prices later.
Here is a list of CPU gaming scores, measured by a very reputable tech reviewers site that unfortunately only publishes in the Dutch language:
You can see that the 265K, much like the Ryzen 9900X, is a real multicore productivity specialist that isn’t much better at gaming than an entry level 9600X (240 USD).
Intel CPU + MoBo with at least 2 M.2 slots:
https://pcpartpicker.com/list/xMMBh7
AMD entry level CPU + MoBo with at least 2 M.2 slots:
https://pcpartpicker.com/list/tfVhmC-
160 USD cheaper than Intel, no relevant gaming performance difference. Use the money to save on interest payments or for a better GPU
AMD 3D CPU + MoBo with at least 2 M.2 slots:
https://pcpartpicker.com/list/HJB84p
50 USD more expensive than Intel, much better gaming performance
Honestly, given your requirements with all the VR pixels, I’d go for the 9600X and get the best GPU you can get. That will make more difference at your resolution than the CPU, as you rightly noted.