For budgets, have an amount in mind and look for options a little over and under. If your budget is 12k and you're getting a 15% bump in perf for 13k, sure, go for it. But keep it to 1 bump level only - for all electronic stuff you're going to find a lot of incremental gains, like 16k might get you 30% over 12k but it's a big stretch.
There's no such thing as future proofing, especially not with low end parts. A 4080 might last you a few game generations with settings at ultra/very high, but a 4060 would need settings lowered far earlier.
