I am also in the same boat as you on the verge of creating my pc.. However given the 15-20% price difference between 12600 and 13600 but the performance of 13600 almost at par with 12900..i am also considering this question and will wait unless I get a very good deal on my gpuokay,Thank you
12400 & 5600X draw similar power, unless 5600X is overclocked, both get to 80W on 100% CPU load. There's some potential for UV + OC on 5600X if you the tinkering type. I personally bought 12400 for its iGPU on a rainy day.According to my experience, switching to a Ryzen processor will increase your electricity cost. They may appear effective on paper, but in practise your power bill will go up.