Underrated pros and cons on a tight budget [v4]

Spent the last few weekends digging into this and the deeper I go the more questions I have.

There is a lot of conflicting advice online and most of it is from 2019. Long-time lurker, first-time poster. There is a lot of conflicting advice online and most of it is from 2019.

Spent the last few weekends digging into this and the deeper I go the more questions I have.