Budget 90k+ How much should I buy for?

BabaMuni

Disciple
I have someone selling a gaming pc near me. Not sure what the optimal pricing I should go for. There are two options

1. i5 12600k, msi z690 gaming edge wifi dd4, 16gb trident ram, deepcool 850 v2l , wd sn850 1tb, adata gammix 1tb nvme drives,phanteks p550a case, msi core liquid v2 - 130k- all components 1.4yrs old

2. i7 12700k, msi mpg z690 edge wifi, adata caster 2x16gb ddr5, samsung 980 pro 1tb nvme, corsair mwe gold v2 750w psu, corsair 5000d case, deepcool castle 360ex aio - 140k - all 11months old

Im planning to get a gpu separate later on(used 3080/3080ti) from elsewhere. please help me come to an optimal asking price. Use case is gaming at 1440p. I wouldnt mind going for the i5 either if the load on my wallet were to reduce. Not a stickler for top of the line products yet would like to have a formidable machine. I'm usually the type to swap out components as I go along. So keep all this in mind, what would you guys suggest I go for.
 
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