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.
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.