Hot take: late-night thoughts on a tight budget [v3]

Not sure if this is the right place to ask, mods please remove if it is not. For context, I am working with a pretty modest budget so high-end suggestions probably will not land.

Posting this here because the relevant subreddit has gotten too noisy lately. Quick context: I am relatively new to this and trying to find my footing.

Long-time lurker, first-time poster. Looking for honest feedback, not validation. There is a lot of conflicting advice online and most of it is from 2019.