If you have a Microcenter around, you can get a i7 9800X for $380 before tax. They did good on that processor, the one I had for a short while ran very cool since they actually soldered the IHS on for those ones.
The i9 9900KS is no different than a factory overclocked video card, you pay to not have to play the silicon lottery and run overclocking software. The Z series chipset on Intel isn't for enthusiasts... If's for the gamer that wants to turn on their PC, play games, and browse the internet with as little upkeep as possible.