Is this gaming PC build well balanced, and where could I save money?

I’d rebalance the build with 32GB of standard memory, a newer version of the cooler, a non-ASRock motherboard, a less expensive NVMe drive, and an 850W power supply. The selected case is also much larger than necessary, so a smaller case could save money and space without affecting performance. There’s nothing wrong with using a 1000W unit if you really want one, but it isn’t needed for this graphics card. I also wouldn’t upgrade to a more expensive processor just for gaming—the 9070 XT is likely to be the performance limit first at typical resolutions, so the current CPU should be sufficient.

The 64GB memory kit seems unnecessary for gaming, especially if it costs more than the graphics card. A good 32GB 2x16GB kit should be enough, and adding more later is always possible if your needs change. The SSD also looks expensive compared with similarly fast NVMe drives. You probably don’t need a 1000W power supply for a Radeon 9070 XT; a quality 850W unit should be plenty, and some systems can even run comfortably on 750W. The extra capacity doesn’t really make the build more future-proof.

An AIO cooler is optional here. A capable air cooler should handle the processor and will generally be simpler and cheaper, though keeping the AIO is fine if you prefer the appearance or lower temperatures. I’d prioritize putting the savings toward the GPU or a better-value SSD instead of buying premium parts that won’t improve gaming performance much.

A 2x16GB kit in the 4000–5000-speed range should be perfectly adequate for gaming. I’d choose a cheaper SSD and something like a quality 850W unit from MSI or a similar reputable brand. A higher-end CPU is an option, but it probably isn’t necessary with a 9070 XT; in this kind of build, the graphics card is more likely to limit frame rates first.