Are you just gaming, or running a cpu intensive program? Gaming some people get away with an air cooler. If you want to maximize what it can do, get a contact frame and at least a 360mm aio.

The Meg has an Intel ethernet chip. I wouldn’t want that. The z790 steel legend isn’t much more.

https://pcpartpicker.com/products/compare/RkRYcf,y9bTwP/

Z690 has limited ddr5 speeds.

If there is something specific, it would be useful to provide a link to the problem you are worried about. I don’t think you’ll have much of a problem running either operating system. Blustacks could potentially have issues with either.