Gotta agree at least to a degree, in the current market 4-5 years feels less ambitious than in the past, at least in terms of staying within official minimum requirements. Elden Ring released in 2022 with a minimum requirement of an NVidia 1060... That card released around 2016.

4-5 years puts you at the end of the gen, there's no way something like a used 6700XT doesn't stay within minimums for that period (it's probably overshooting it by quite a bit) and it leaves you like 500 bucks for the rest of the computer in that example 850 budget, which is more than enough. It can be done.