Also, if you give up on the NTC...(as you note, it doesnt really work when hot)...then you may not want to use a relay to switch out a inrush resistor...instead, you can use a cheap 1W DCDC module, and get it to switch back to back IGBTs which short out the inrush resistor....this saves having to use relays which have a limited lifetime....
use back to back igbt's if you have the inrush res in the AC part...but just use single fet if its post rectifier bridge