Very sad that HDDs, SSDs, and RAM are all increasing in price now, but I just made a 4 x 24 TB ZFS pool with Seagate Barracudas on sale at $10 / TB [1]. This seems like a pretty decent price even though the Barracudas are rated for 2400 hours per year [2] but this is the same spec that the refurbished Exos drives are rated for. By the way, interesting to see that OP has no qualms about buying cheap Chinese motherboar…
How much RAM did you install? Did you follow the 1GB per 1TB recommendation for ZFS? (i.e. 96GB of RAM)