I seldom disagree with you, but in this case, it may depend on how one plans to pay/finance it.
Ryzen 3960X = Amazon US$1,330
Ryzen 3970X = Amazon US$1,850
Unless you do not have the US$520 increase in cost, which may be possible to invest in a GPU, the 10% increase in the total cost for the Ryzen 3970X system may not be relevant. The probability of swapping out a 3960X or 3970X is too expensive unless some one is going to purchase your used processor, which is possible. One might be stuck with an expensive drink coaster or sell it cheap to a friend. Before doing that purchase of a lower core processor, I would check on the what I would need to accomplish in the event of needing more processing power. See my cost to move from 18-cores to 64-cores on this LSF link:
We have both workstations for post-processing and may build another. In both cases, I decided on the most cores available and affordable at that time, since the US-IRS helps in that decision making process, which is probably a different decision mode than Shane's.
On another note, the cost of Samsung 860EVO 4TB SSDs are increasing by significant amounts recently. I purchased 2 each, 4TB in January, 2020 for US$550 each from Amazon. Yesterday, if you can find them US$750 to US$950 each.