In other words, don't buy local used because !used! components are overpriced in calgary. Wait for ebay prices to drop if looking at higher than 3070. Apparently there's a vast amount of miner's in asia wanting to dump cards in north america so waiting may be the value play.
In regards to processors:
unless you have specific workloads, 8-10 year old processors will probably work. Nothing new for VR so anything that came out circa 2015-2016 is still usable.
Otherwise, for AMD 5800x3d is last hurrah for AM4, and waiting on Zen 4 to come out Q4, everything is shifting over to DDR5, as like everything else prices have come down, so it may make sense in either a capacity standpoint or maybe that one specific function that it's faster than ddr4 in.