If you're dead set on an AMD card, then that might be a case for getting the 3900X, because AMD's GPUs don't have dedicated hardware video encoding. NVIDIA's does, which for streaming quality is perfectly fine. But for gaming only, most games don't even scale past 6 threads, so a 12C/24T CPU doesn't make sense here. Especially for everyday use unless you're some kind of octopus who can have a dozen things active at once.
I'm of the opinion you should get what you will really use. Those extras may be nice, but if you don't end up actually using them, that's a good chunk of change throw out the window.
As far as overclocking goes, you can't really overclock an AMD CPU because the default settings basically run the thing to maximum turbo anyway. AMD GPUs you might be able to push, but generally speaking it only adds like 10-15% over the default at worst, so not a whole lot. The entire system is likely only going to pull 250-300W anyway.