Since SU5, the CPU is not being worked as hard and is more evenly balanced across cores, so a CPU upgrade may not be as beneficial as it previously would have been.
SU5 also reduced memory usage dramatically, down to something like 6.8GB max, so a lot of scenery is having to be reloaded in on the fly with view changes as low as 90 degrees.
This means that your rolling cache, if you use one, is getting a very good workout and can actually benefit from using some of that spare RAM as as RamDisk per this thread RollingCache revisited, essential now with the aggressive culling
FWIW, I have done what the linked thread suggests on my system (i9 10850K, 3080, 32GB RAM, 1TB SSD, G2) and have created an 8GB RamDisk and put FS2020’s rolling cache on there with a value of 7.8GB. Ever since I have done that, VR is now butter smooth and I will keep it that way until WU6 where we may be getting a scenery cache slider option that can use that extra RAM directly.