Op, if you have a Microcenter nearby. Check them out. They are often hard to beat if you buy a motherboard and CPU at the same time. Also their prices on Crucial RAM are competitive with online prices. The Samsung 980 1TB NVMe SSD is also competitive with online prices. I just did my system last week for less than anything I could find online.
PSU prices are a bit high. But only like $10 to $15 on the Seasonic and Corsair PSUs I looked at. Overall you should at least break even. But likely come out a little ahead. You'll have everything immediately. Plus support a local retail computer store. There aren't many left.
If you plan on a i5-11400 processor, a B560 based motherboard will do the job and be priced much lower.
If you can find one. The cheapest option I saw was a Z590 at Microcenter. Besides some POS H510. When I got my 11400.
Even right now that Z590 is only $10 more than any B560 or H570 on PCPartpicker. After you factor in the $20, CPU plus Motherboard, discount.
Not that I bought that motherboard. I wanted a better one.