

The part list looks good to me, it should result in a very nice gaming machine :) I think you were a bit generous with the PSU wattage, but I don’t think you can save a lot there anyway. If you play a lot of competitive (high-FPS) games, you could also consider spending a bit more on the CPU (e.g. 9800X3D) instead of the GPU.
The BIOS update should be fine as you already have another computer and the mainboard supports BIOS flashback. One note from my experience is that I needed to use the Windows version of 7zip (through Wine) to extract the BIOS on similar MSI B650 board. Otherwise, the BIOS update would fail.
I think that massive tower cooler should easily handle your 65W CPU (even in your hot climate). An air cooler also has the additional benefit of an air current over nearby components (RAM, VRM, …). IMHO, liquid cooling is mostly something that people do because it’s nice (and quiet). But, it’s always higher maintenance than simple air cooling.






I see, that makes a bit more sense then. I think it’s fine to put an 850W PSU in this build, given that you’re not paying much more than for a 650 to 750W PSU. I was just a bit surprised to see an 850W PSU in a build that will probably draw around 400W to 450W under load.