Build completed with A4-SFX / 9800X3D / Noctua 120mm Slim + Black Ridge. VLP DDR5 being available allowed me to move into 120mm. Without the help of some folks in the SFF community, I would've had much more guesswork.
The build still needs some wires tucked and thermal tests. For now I've turned on eco mode 105W and thermal limit to 90C in BIOS. I've been enjoying my games that have blown me away with performance especially newer emulators which are cpu-intensive. The acoustics are solid and noticeably different than 92mm.
There's a couple factors to consider when moving into 120mm: The I/O shroud of the motherboard, the M.2 heatsink height, and the ram height. These could all get in the way depending on motherboard model.
Notes for future A4-SFX builders:
-The Black Ridge 92mm 4 screw holes protrude outward, slightly. If using the Noctua 120mm in push configuration (air toward motherboard), the fan will clip against these protrusions. I designed a very basic 3D printed 1.5mm spacer to fix the issue, although you're honestly good with some foam cut-outs, too. No adhesion was necessary. I used the Black Ridge mounting bracket for the I/O side, and gravity helped on the other side. Photo is included showing this.
-ASRock works without the need for more involved modding. The two slight mods were the 1.5mm spacer and removing the M.2 heatsink. The noctua in push mode will blow air directly at the M.2, however you can also buy a lower profile copper plate for a couple bucks. Ideally in the future, more mini-itx motherboards will revise their crowded I/O shrouds.