Yes that is currently overkill as there is no benefit of TB3 over USB-C (USB 3 Gen 2 has a speed cap of 10GBit/s vs. 40 Gbits/s for TB3) if used with HDDs.
My plan is to buy a RAID case now (Terramaster D2-310 2 bay RAID is my current favourite) and fill it with my two WD Red 3TB (so 10Gbit/s bus speed limit is more than plenty, it is even plenty for most SSDs).
In the future - if SSDs become significantly cheaper - I might change for a big single SSD instead.
There are some considerations that favors TB3 over USB-C:
1) if the enclosure is intended to be the start of a TB3 daisy chain, so you need some spare bandwidth down stream
2) if the Mac has limited TB3 ports
3) if SSD (RAID) is used in the future
4) USB may have good enough speed, but not having dedicated controller is an issue
I myself only have the regular iMac 2017, with its 2 TB3 ports which is rather limiting, this was why I chose a G-RAID instead of USB-C 3.1 gen 2 enclosures even though this is "only" hard drives. That said, with a RAID-0 config, I am getting 400MB/s or so read & write, which is pretty close to SATA SSD sequential speed.
I am also a LR user, with the catalogue/previews/cache on the internal iMac SSD of course, all photos on the RAID, performance of this setup is quite good. Originally I thought of the same, use the internal SSD drive also as a buffer for newly imported photos, but after some tests and actual usages, I found the performance hit of importing directly onto the RAID isn't that far off anyway. The speed gain of using all SSD is noticeable of course, particularly with the iMac/iMac Pro's hitting 2000MB/s+, so your thinking is in a good direction that the RAID can be of lesser performance if most of the real work is done through the SSD anyway.
The only issue IMO is investment wise, a sub-TB3 enclosure, be it USB-C or TB2, are going to be much less sustainable once your setup grows. For my case, I know that some day if I retire or repurpose this RAID unit, I can get really good speed out of the hardware dual SATA RAID controller if I go dual SATA SSD, and that the I/O won't be a bottle neck being TB3. The G-RAID in particular is extra safe, since it has a USB-C 3.1 gen 2 port as well, if ever I plug this thing to a computer without TB3, or TB3 won't take off and USB-C becomes totally mainstream.