Zimerius: I knew i should have picked the i7 instead of that k'd i5 to get a couple of more cores that seem demanded by some of those weird grand strat games i used to enjoy when i was 15!
The problem is though that we are way past the peak at what OCing added for value for money in a linear manner. Eg, I used to own a Celeron 366 and OC'd that +50% to 550MHz with no extra cost beyond having to buy a larger CPU cooler for £12 (+50% performance for +10% cost). Today though, by the time you've added up the premium for unlocked K chips, Z boards, greater cooling capacity, it can easily end up more than buying the next locked CPU up / same locked CPU but next GPU up.
Example:- A - £198 i5-10600K + £160 Z490 + £50 water-cooler = £408
B - £125 i5-10400F + £100 B460 + £30 212 EVO = £255
C - £225 i7-10700F + £100 B460 + £30 212 EVO = £355
If you use a PC for a mixed workload, eg, a lot of video editing in addition to gaming, then C starts to make more sense over A. Similarly if you play heavy games, the extra £153 saved on B vs A will make far more of a noticeable difference in games if it means buying the next 1-2 tier GPU up (eg, i5-10400F + RTX 2060 vs i5-10600K + GTX 1650 or i5-10400F + RTX 2070 vs i5-10600K + GTX 1660) for the same money than a +10-15% overclock will.
So in that respect it is true that since overclocking became a "Gamer Industry" in itself (instead of the added value for nothing it used to be) there's often enough of a price premium that you have to weigh up that vs comparing the next non-K CPU / GPU up once everything is factored in, and the people who really gain the most without compromise are those who already own top-end GPU's / are buying an 8-core CPU.