New computer build time? Or hold off?

[LennyLen]

I never thought of an online drive. Does it do real-time syncing too?

Any cloud storage solution worth considering will auto-sync. I use Google drive myself, as I have multiple android devices that I want synced to my PC, and it gives you 15Gb for free. There are a few paid options if you want more storage than that. Dropbox will also auto-sync between devices for free as well.

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I'll also just use the retail heatsink, unless someone can suggest to me an aftermarket cooler that is just as easy to install and is a lot quieter.

Have you considered a hydro-cooling solution? I use a Corsair H100i, but even their lower end models will do a much better job than the stock coolers and are quieter. They can be tricky to install if the case isn't roomy however.

As for memory - 16GB of DDR4? I'm pretty sure that's overkill, and incredibly way over my budget.

Overkill depends on the usage. I've been running with 32Gb of RAM for a couple of years now, as I quite often have several VMs running simultaneously.