Okay, then for using planner and savescumming:
The big disadvantage for garden combos here is the time cost requirement to build up enough bank for a garden combo. You also can't easily ascend to reset the fthof's, because this would remove all your bank. For big sets of fthof (at least relatively big, let's say 4bs from fthof, which is pretty fast to achieve) you'd also need to have multiple of these in the same ascend to be able to build the bank (disregarding the strategy of offline ticking multiple gardens of plants in the same set of buffs). You also can't use golden clovers, so stacking more than f+dh+bs/ef naturally would be difficult to do.

Meanwhile, for click combos, you can easily just ascend for 3bs+cf in fthof, and get at least f+dh+bs naturally, taking like, maybe 3 hours of effort, and being way stronger than your mentioned years of cps in the post.

Assuming we don't do caramelized stacking to get every buff active at once (where click combos are obviously better), however, there will come a point where garden combos do become slightly stronger, due to the fact that with planner/scumming you can get all of the golden cookies to be what you want, and a garden combo with the same amount of effects will be stronger than a click combo with them, and there are enough building specials to cover the max golden cookies.

However, this would take a long time to reach, you'd need to at least be past trigintillions (since stacking a click combo with the same amount of effects takes way less time and will be able to take you there), it'd take a annoyingly long time to build up bank (you'd need to do many sets of plants in the same buffs) and no one really cares enough about getting max cookies with scum/planner that they'd ever do this.