In that case, I believe your options are as follows:

1. Don’t.

I hate to say it, but prebuilts are the absolute best bang for your buck that you can get now. At least for another month or two until the shortages start impacting OEM inventories.

Right now you can get decent high end ish machines like this: https://www.costco.com/p/-/ibuypower-element-gaming-pc-desktop-amd-ryzen-7-9800x3d-nvidia-geforce-rtx-5070-12gb-windows-11-home-32gb-ram-2tb-ssd/4000384603?langId=-1 and like 35% of the total machine cost washes out to JUST the memory right now. You'll need to replace the PSU and likely the water cooler for the long term, but the bones are relatively good.

Waiting is a good option.