Is it worth getting K over KF?

I understand that the only difference between the two is of iGPU but so what? I am gonna use my own RTX card anyways so what am I missing?
 
KF (non-iGPU) CPUs can make things difficult when something goes wrong, esp with the GPU, you will have to borrow someone else's card to troubleshoot
 
Just spend the few extra money and get the K man, why cheap out? The KF has no downgrade in performance but it can make troubleshooting (esp when sth up with display) a lot harder than it has to be