This is very much a case of "When the rich play games, it is the poor that lose". There is no positive outcome from this, regardless of what side of this story you are on.
SuperSteef
While Warframe is a perfect example of a well done FTP model, you can buy a lot of stuff with real money in Warframe, it isn't just cosmetics. But it has limited PVP and the community is fairly friendly, so it isn't so much Pay-To-Win as it is Pay-To-Not-Work-Hard.
My writing resolution was to simply put less pressure on myself to write "a thing" and to spend more time just writing. So far it is going well. Whether I want to write something that is only 3 paragraphs or 30 pages, I'm giving myself that freedom.
I wrote a cyber-punk short that ended up only being a few pages with a time-skip in the middle because I couldn't figure out how write the middle part. Then I decided "it's cyber-punk, everyone knows how the middle goes" and wrote the last bits instead. Not something that would be published but always trying to write something that would be publish-able is what stopped me from writing in the first place.
This is what I use when creating baselines for different price-points:
https://www.logicalincrements.com/
If you feel like you'll need more RAM or a bigger SSD then that's a simple thing to do but this will give you all of the components you need for a solid system at whatever your price point is.
That said, the "Great" range and up will play pretty much anything. You can even play pretty much any game on the "Good" range and up. So if you are looking to save money, I'd say the "Great" range will last you a good 5 years right now at least.
Even the PS3 game can be played via an emulator. The tech is still evolving so you still need a fairly powerful computer but it is playable. For reference, I was able to test archiving various PS3 games on my now 11 year old gaming PC which was a medium-tier system at the time of the build.
When I played the original Fatal Frame it was unlike anything I had played at the time. The Penumbra series was also up there.
These 2 series lead to me realizing I disassociate when I watch or play horror and I stopped consuming that genre.