hi (again) Grain,
Yeah, a bit of extra is surely worth for mono, You'll have a possibility to house 4 physical cards later if You wish so..who knows, if You don't need those maybe fast NVMe drives =)..
Fractal has very good quality & like You I really love their design (minimal, elegant, etc.) The problem with other water-cooling capable box's is that they look terrible (guess that's a matter of taste & preference - subjective of course). Overall You might not have a lot to choose from..that's the reason why I offered to consider external cooling solution.
if You haven't phased out external cooling idea, You might have way more case to choose from =) as You don't need radiator compatibility, clearing & airflow to think about.. companies like AquaComputer has very good combos
(pump/res & rad) for those who don't want to mess too much, then You can buy some
stands..all is the left simply to put few waterer blocks & hook the tube =)
if You don't want to go this rouse think Corsair is somewhat one of the best options to go for & Yu can easily find those cases in Scan store..there are better quality, better looking (again, subjectively speaking) cases from companies like case labs..but not everyOne can justify spending few hundred $ for a case =) so I think we can rule this out..
970 is awesome card & especially after latex tweaks of Octane's code they start to perform better & better =) but as I said, You don't need this if You go dual TitanZ, 'cos You are going to have 4GPUs & You can use one for screen only =) ..the thing to remember, that if You plug a screen, You'll consume some vRAM depending on resolution I guess.. somewhere in the region of 300-500MB, if You would be rendering on all 4GPUs (including the one where You've plugged the screen) You'll have that much less of total vRam in Your disposal =) as scene should fit into every portion of vRAM (4places if You own TitanZ).
then again, You can always go & plug into motherboard itself as those CPUs have iGPU inside, that means for simple parts You can utilise inbuilt GPU to do some simple work if You wish so & leave all vRAM & all power of Your discrete GPUs to render something =)
as for RAM I've personally got 32GB & only on very rare occasions see more than 20GB in use, but..from personal experience - s&^* happens when You need it most.. when You're ons stress & working on the most demanding project..-spending a bit extra & getting as much RAM as You can possibly fit (& that's 32GB) is a wise choice to avoid some issues later..
last but not least, You can try to make a loop inside R4, but You'd probably have 3 separate rads, loot of mess with tube routing..or have to modify the case itself what is not worth unless You're really into it =) 750D from Corsair might be the closes case in terms of stylistics & it's a bit more flexible in mounting water-cooling components =)
hope that helps =) frop some more Qs if You have =)