WTB [Zen 3] Ryzen-7: 5700X or better, preferably X3D; higher core count models also OK.

As the title says.
[Zen 3] Ryzen-7: 5700X or better
Highest preference is for X3D chips.
Higher core count models also OK if the price is right.

Most of the current offers seem to be less, and also only vide CC EMI, which I personally feel is a rip-off as the interest cost would definitely outweigh the benefits here.
Are there any scenarios where CC EMIs actually benefit the customer?