With what the 9700k/9900k are capable of, there's really no need at all to OC them, that's mostly just a hobby/challenge, a 'because I can' thing.
The newegg link goes to the sign-in page.
It's not just a difference in speeds, and turbo changes things even more, both the 9th gen can hit 5GHz out of the box, but Instructions Per Clock (IPC). The 9th gen can do more instructions in each time period, clock, and has more clocks per second than 8th gen. Couple that with the bandwidth capabilities of a full core vrs a hyperthreaded shared core and many modern games show significant improvement in fps.
Theres only 2 things bad I'll say about the 9900k, power and heat. It craves power and does require a better level mobo than what many think is decent. It doesn't follow any normal psu requirements for a gpu, but basically needs an additional 100w added. A simple locked core OC at max turbo of 5.0GHz with no other changes, will produce upto 250w. Which brings up heat. 250w is well beyond the capabilities of almost every air cooler, and right at the 'stock cooler' level of the biggest air or 240mm AIOs. So you can get away with the biggest air dual towers, if just running stock, but generally a 280mm AIO is considered minimum safe cooling ability.
The 9900K/KS isn't a cpu you can add later to a build, something to aspire to upgrade to, it's the kind of cpu that absolutely requires the pc built around it instead. Which doesn't really happen often when the word budget is involved.
9700k or Ryzen 3700x, either will suit.