Without the manual settings or bclk you may be stuck at +200MHz like on most other chips. On Ryzen 7600, I have up to 5.15GHz at auto, and PBO lets it go up to 5.35GHz, even though the CPU can make more. It's regardless of temps or anything else. I can set only +200MHz max boost, and all other options are useless (curve and other things are not helping in anything). When I run Ryzen Master auto OC then it reaches 5.35GHz on all cores, not like with higher CPUs that it sets higher or lower frequencies depending on the core capability.
Considering the above, you can count that cores with V cache will go +200MHz, and all other cores will boost much higher, up to about 5.9GHz (depending on the CPU).
I don't think you will need more than 5.2GHz for anything you do.
Edit:
I'm not sure if X3D chips will have it unlocked, but you may think about a motherboard with asynchronous bclk (one for CPU and one for everything else). Higher ASUS mobos have it, like the Crosshair series. Then you can set much higher bclk and you are not limited with ~103MHz.