It really depends on how hard core you are and your budget. The "I MUST have 4K at maxed settings!!!" crowd is very much akin to the car nuts that sink $30K in aftermarket dollars in a Honda Civic. Maxed settings, resolution detail the eye can't even really see in many cases, overclocking, advanced cooling solutions -- just like that car crowd, these are hobbyist obsessions that are entirely unnecessary. Go nuts if that's your bag and you have the money, but don't let the hobbyist chatter fool you. These are folks that upgrade high-end cards every generation when the one you buy today should absolutely last you for several years.
So the simple answer is that you can game hard on a Ryzen 5600 with a 3060, 16 gigs of RAM, and AMD's stock cooler. In three years or so, when/if you start feeling the 3060 bottlenecking, you can upgrade to the next gen and will still have come out ahead in terms of cost.
If you're into content creation and video editing/encoding, the top end Intel processors and video cards will definitely have more utility. Get a 3070 or 3080 if that's the case. These tasks are way harder on video cards than gaming. They're linear tasks though, so you can still use standard coolers as long as you're not overclocking. That being said, that 5600/3060 will perform these tasks just as well, just not as fast.
If gaming is the most video-intensive task you're doing with the system, it's all down to your budget and whether you're a videophile that enjoys getting the absolute maximum out of every frame. If you need to save money and are fine gaming at standard settings (or higher settings on 1080 displays), there's no need to break the bank. If you have the budget and DO like/want/NEED stellar visuals 24/7, it costs. Processors matter very little in gaming so long as you have one rated for gaming (the Ryzen 5600 is probably the best bang for your buck current gen processor right now). A 3070 or 3080 is plenty of video for anything you do.
For context, we have 3 gaming-level desktops in our house. I encode a lot of video, so I have a 3070 system on a 4K display that can do anything a game asks of it. There's a Ryzen 3600 with a 1660 on a 27-inch 1080 display that plays modern games at high/max settings at that resolution. And there's an i5-4670 with a 660 that still plays today's games admirably at 1080 with some setting tweaks. That system is almost 10 years old and still viable.
Sorry for the wall of text, but there are lots of perspectives on this stuff. Someone saying today that they just willingly overpaid for a new video card at wild shortage prices because "I had to upgrade my 1080" just has money to burn and a wrong idea about video game performance, because a 1080 is still a great card today. So take those opinions with a grain of salt. Because of the years-long card shortage and the fact that most people don't have that kind of money to spend, the 1060 is still today's most common video card by a pretty wide margin. The idea that anyone "needs" a 3080 for gaming today is a little silly. Great to have, no question, but overkill for gaming.