If your going 14th gen you should go 14700k or over because of the new APO feature mainly uses 1 ecore per cluster and the 14700k has more clusters. That would be the only reason to go 14th gen for the feature in the future. Otherwise I would take the 13700k.
They can’t Nvidia is to big if AMD put in as much as Nvidia does and it didn’t pay off with a few years they would go bankrupt.