Large Cash out for Home Improvement

We occassionally have customers who will do large cash out transactions ($50,000) for home improvement projects. I am guessing that their contractors will give discounts for cash, etc.

They are not structuring the withdrawals, so CTRs are filed.

My question is whether this type of transaction is SAR worthy. We can generally trace the source of the cash (loan proceeds, etc). I find it unsual that someone would pay $50,000 cash for something, but maybe others find it perfectly normal.

Would you generally file a SAR when a customer withdraws $50,000 to $75,000 for a home improvement project?

Personally, if I can trace the funds to a legitimate source, like loan proceeds, I wouldn't file a SAR, and I document why.
It is not uncommon around here for people to pay cash for large purchases/expenses. They don't care if a CTR is filed.
However, we do monitor how often they do this and whether it makes sense for the project they told us about.

We do the same as NotDoneYet.