That's true, but if you pick your PC parts correctly, then there won't be any difference in longevity between a 3L and a 30k build. Performance is not an issue as well, as you can get a quite powerful build under 80k these days, with a GPU and all.
The AM5 route would be better for you then, or you could go Intel (i5 12400 + B760 motherboard) if you're more comfortable with them.
What model PSU do you have? If it's a good and well working unit, then you can skip out on the purchase of the PSU.
Consider this motherboard for AMD from Asus - https://www.pcpricetracker.in/out/518db8cd2714f9e791781728b479fd17/13
Rest of parts are mentioned in that build I posted in my previous post.
The linked motherboard doesn't have wifi, so you'll have to buy a separate wifi card, usually under 500 rs. I use one, and it reaches limited bandwidth speeds.
