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IMO there's little need to buy new in the computer world unless you want to do something silly like have a snapdragon x laptop or have the disposable funds to go the gaming rig route.
My desktop is a retired business workstation, a HP Z420. I bought it for $250, installed a smaller SSD ($100 new) for the OS + apps, upgeaded to the "best" Xenon that fit the socket ($150 used), upgraded to 64 GB RAM ($107 used, yay ECC memory being dirt cheap on the used market), and a 1070TI ($225 used, purchased just before covid).
It's more than fast enough for my needs still.
This was all about 4-5 years ago, so you could probably do even better with more modern hardware.