I decided to stick with the stock cooler for now, if I need to upgrade later then I will. I was going to downgrade the CPU to the 5600 as recommended to save some money, but the prime day sale kicked in and the X ended up being cheaper. I also switched to the 980 Pro rather than the Evo 970, once again courtesy of our capitalist overlord's Bezos day. I managed to snag a new RX 6700 XT for $310 on Amazon a few days ago, but it's shipping from Portugal so we'll see if that sticks.
Really appreciate all the advice, yall made it a lot less intimidating.