Agreed with all this!

One note if you decide to go the integrated graphics route: if you’re planning on gaming, get a CPU with the most powerful integrated graphics you can.

I did as shoo pointed out, started out with a CPU with integrated graphics to save money (inflated GPU prices during pandemic), then later upgraded to better CPU plus discrete graphics card.

I started with a Ryzen 3400G for its low price and integrated graphics, but found I could barely play even medium-low graphics games like Valheim, maxing out at 15 FPS, dropping to 5 much of the time.

Hopefully you can avoid the same issue if you decide to get an integrated graphics CPU. I do prefer and recommend a dedicated graphics card, assuming it fits within your budget.