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I have cpu, network, memory, and i/o graphs in my desktop panel for this reason.

MATE desktop but I bet there are equivalents everywhere.

Same here with KDE Plasma. Also GPU usage, and CPU/GPU/SDDs/Wifi card temperatures.

Don't they get covered up by useful stuff?

multimonitors are cheap and if you're not gaming or doing intensive things most CPUs and onboard graphics can handle em just fine.

2 monitors for stuff i'm doing, and a 3rd for discord / email / system stats

How do you manage with only three monitors...?