Sure, that’s fair. I use a different criteria: mostly future proofing. I studied the limits of PCIe 4.0 and honestly? There are NO such SSDs or RAM or GPUs! And there likely won’t be for at least 5 years – very likely 10 or more even.
To me the TR / PCIe 4.0 platform is finally hitting the reasonable limits of what most of us would ever need in a machine. 99% of us don’t have workflows that could require 12 GB/s SSD I/O performance, or 120 GB/s RAM bandwidth. 
So, if you figure you can (or want) to invest a bit more money for the next 10+ years, now is a very good time to do so. The TR 3960x / 3970x / 3990x is likely going to last many people for a lifetime, I’d say.