I don't disagree, I'm really looking forward to what they do with the latest gen. Regarding stuff running in the background, that really isn't an issue nowadays if you have a decent AV and close Chrome when gaming. They only take up memory which isn't a real concern for most PC gamers. Remember, 4C/4T was the sweet spot back then because that's all most people had
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6C/12T CPU's weren't mainstream yet. Consoles started off way ahead of the game in terms of CPU count, which meant games were always going to run better on 6 core CPU's, because the optimisations were already in place. Brute forcing doesn't change the fundamental amount of cores a game is optimised for, it just means it can't do its workloads as efficiently. I really do think 6 cores will be more than enough for PC gaming for quite some time. It's just not economical for most game developers to optimise for higher than that.
The problem is you way too focused just on the here and now. People made the same arguments about consoles and why 4C/4T CPUs would be fine for years. Yet in such a short time we have moved to 6C/12T ones being the sweetspot. I think you are massively underestimating the impact of the move to true desktop class CPUs in the new consoles will bring over the next 5 years. The fact is you can't really promise 6C/12T will be perfectly fine for the next 5~6 years,because you have also forgotten another thing - both AMD and Intel will also most likely increase core counts from 2022 onwards past what you have now. So a 6C/12T CPU will be sort of low end now. We saw that with 4C/8T CPUs which went from £300+ to as low as £70 with the Core i3 10100F. There will also be an increasing push for PC devs to also use more cores,especially as consoles won't be so CPU limited now. We have just gotten used to 10 years of very poor CPUs in consoles. Not even the CPUs in the XBox360 were that great,as they had in-order cores which had weak performance. Also like I said consoles use a lot of custom silicon to offload stuff which the CPU needs to handle in a general purpose PC. Its a bit like phone SOCs which do the same thing,and people are surprised when they seem to be so quick - its the effect of custom silicon accelerating certain things.
If you are more budget limited or not budget limited are playing mostly a mix of older and newer games then a 6C/12T CPU is fine.
Personally I think for 2 maybe 3 years you will be OK with a 6C/12T CPU,but you will start to find more and more titles using extra threads and cores.So 6C/12T will be a safe bet,but might not be optimal after that especially if you tend to buy decent GPUs every few years.
Now if you don't,and getting something more budget,that might be another factor to consider also.
Considering most people I know will keep their system longer than that,if you really can afford a higher core count CPU,you should look at getting one now IMHO,especially if you can spend £500~£700 on a graphics card like some here.
So in my case even getting a 6C/12T Ryzen 5 5600X would be OK(but I think it is overpriced so probably won't),as I will be mostly like upgrading again within 2~3 years or so as it would be an upgrade to a 2018 era system.
It's also not like any of the 8C or 12C CPUs,are slower than their 6C counterparts,especially as they appear to binned better and are better quality silicon.
Now do I also think maybe waiting and seeing if prices get a bit more competitive is a good idea? Maybe - I think AMD is pricing its Zen3 CPUs a bit too high because they can and hence why we are having this debate.Rocketlake and Alderlake might help push prices down a bit hopefully. If there was a Ryzen 7 5700X for around £350 it wouldn't be such a premium for the extra cores.