Let me put it this way with some examples. But first, a disclaimer, most gamers run entry level or mid range hardware. Even $400 just on CPU is a lot, reality is the majority of people run i5/r5 class because they're cheap CPUs that are good enough, and they're not pairing with a $1600 GPU, where the faster CPUs can stretch their legs. So for most of these people who are looking to build a new PC, dropping ~$500 on X3D isn't an option. The AM4 upgrade to 5700X3D is a great option though, but this is assuming you already have the AM4 platform. I certainly wouldn't recommend doing a new build on that dated platform, too many compromises besides the one perk, gaming performance.
Example #1, you have $300 to spend on CPU
You can, A) buy a 245K for $310, and get 80% applications performance and 94% gaming performance (relative to 285K).
Or B) buy a 5700X3D if it sells in your country, for $200, pair it with a last generation platform with all of those downsides, and get 52% applications performance and 90% gaming performance.
If you can't find a 5700X3D, you'll have to go with 5800X3D at around $250, this is 56% applications performance and 94% gaming. These percentages relative to 285K.
Example #2
You have $400 to spend on CPU.
You can, A) buy a 265K for $395, or stretch the budget for some reason to a 9900X @$430 and get 94% and 93% in productivity respectively.
In gaming with those options you'd get 97% and 100% performance. These percentages relative to 285K, tested with a 4090.
Or B) buy a 7800X3D, which costs $470, so good luck with that $400 budget, for 70% in productivity and 112% in gaming.
For 20% more money you're getting 25% lower productivity performance, and 12% faster gaming performance, assuming you own a 4090.
Example #3 Now lets do 7950X3D, here it's a little less obvious, but again, this CPU price range is approx 4% of the market going by steam HW survey, 50% are 6/8 core CPUs, and even quad cores are still 4x the marketshare of 16 core CPUs.
View attachment 368806
A) 285K for $585 - 100% relative applications performance/gaming performance
B) 7950X3D for $600 - 96% applications performance, 106% gaming performance - slightly slower in applications, slightly faster in gaming (assuming you have no scheduling issues and are willing to tolerate Xbox game bar and a 3DVCache scheduling driver), for more money, on an older platform, with worse IO, and no chance of running super fast memory without switching gears, unlike ARL.
C) 9950X for $650 - 103% applications, 102% gaming.
So yeah, the X3D chips only make sense for gaming. If you don't game, there's pretty much no point paying the premium for them, because they're slower than alternatives. Every other CPU from both Intel and AMD are reasonably balanced, they can game, they can do some productivity work, and they aren't too expensive.
Just gonna point out, the 245k is a pretty poor investment vs a 9700X for anyone who going to game and dabble in office/light productivity work. 245k is worse in just about every metric. Not a great base example either.