If you want a budget business-use or a home computer for just browsing and light tasks like Microsoft Suite or Google Suite applications, then consider  getting an APU, specifically an Intel APU with Iris Xe, one with Intel i5/Ultra 5/Intel i7/Ultra 7 branding or some Ryzen 5/7 with a G if under 8000 and non-F for 8000 and over generation. If  going for a more budget option, feel free to touch the 3's, just note that there is a lack of future proofing for more demanding updates and software.

On the goal of light gaming, slightly heavier business use, lean more towards the 7's and maybe 9's, here you might want to consider getting a dGPU if doing light CAD, video editing, or 3D Design. On heavy video editing and 3D design, the 9's would be a better choice.
On gaming, it depends on style, playing casual games or not very graphically intensive games, then shoot for the 5's on the CPU's. On the heavier side, go for 7's.

In a tight budget, go for a minimum of 8GB of RAM (either dual-channel or not), even in this economy, that should still be the standard.

Now looking into specifics, if all you are doing is browsing the web lightly, that's all you need, but once  you go into GSuite, Microsoft Office Suite, many tabs, and a mix of any of them, you should try to go for 16GB. You may be able to get away with 12GB if 16GB isn't feasible at the moment. (remember that if you are doing dual-channel, use the correct RAM slots)

Next, if you are going into software like CAD, light video editing, and maybe even light Gaming, 16GB is REQUIRED, and even more from 24GB to 32GB is better and recommended.

Finally, if you are doing heavy gaming, streaming, or heavy video editing, get 32GB of RAM, maybe even consider 64GB depending on your workload or having a wide mixture of multitasking of everything I stated already.

In a small budget or light use, I recommend looking at APU's from the earlier section about choosing a CPU/APU.

Looking at purposes of a GPU is important first; they are useful for AI modelling, Video Editing, 3D Modeling/Rendering, and Heavy Gaming. If any of these are what you are looking to do with your PC, you need a dGPU.

When choosing a GPU, there are multiple features and specifications to look at: VRAM, Upscaling (DLSS/FSR), CUDA Core, and Clock Speeds. When running AI or doing heavy renderings of 3D Models, Math/Calculation, or Movie Level Video Editing, you want to focus on large number of VRAM then number of CUDA Core, and lastly Clock Speeds, Upscaling does not matter in AI Scenarios. These will likely be you NVIDIA PRO/Blackwell series GPUs.

Next, when looking at general video editing or a load thats not as heavy, you don't need really need a top of the line, just a modern GPU that supports the resolution you are editing at with VRAM at 8GB or more. The higher the VRAM and Clock Speeds, the faster the editing will render. This will be the same for 3D Modelers.

In Gaming, this is really where looking at the upscaling would be helpful as some people like it, and others don't. In reality, you don't need a really top-of-the-line GPU for just gaming, even AAA games. Just get a GPU with at least 4GB of VRAM that is modern or comparative to modern hardware,  you should be fine for 80% of games.  If you are going for the best graphics in games with high FPS, you might want to step up a notch. In reality, most people don't need a top-of-the-line GPU for gaming, it is just not worth the price to performance.