I think a desktop will pay off in the future when it’s time to upgrade again because you can at least reuse the peripherals, case, PSU, fans, hard drives, typically the CPU cooler, maybe GPU unless that is being upgraded, and maybe even the mobo+RAM depending on the upgrade path. I think the AMD AM4 platform is currently the best bang for the buck, but will almost certainly require replacing mobo+RAM on your next future upgrade.