This point gives away that your knowledge of PCs seems to be something like 10 years old at best. Game software nowadays must be able to run on a console. Which means that hardware requirements of nearly all new games is that of about 2005 or 2006. Until this January, I had been using a PC that had been built in 2006, and I could run current games on it just fine (not on the highest settings, of course, but that is not the point, as the consoles can't either). I had once spent $120 on a new graphics card after 5 years, because I wanted to have DX11 and some new shader compatibility. The quick hardware race was a thing of the early 2000's and is long gone.You also don't have to worry about upgrading it every three months and spending an additional $300 which you obviously didn't factor in.
I had to replace the core of the computer (motherboard, CPU, RAM) because of a motherboard failure this January, but still use most of the add-ons (graphics card, sound card, etc.) . Now it's blazing fast and uses less power, but other than that, I would have kept my old 2006 PC, as it was sufficient for 2012.
And antivirus software isn't really a big topic nowadays, either. You get it for free directly from Microsoft and other companies, and the Microsoft one is one you can forget about, as it does everything by itself. You just have to install it once. Did I mention it's free?
Edit: Oh, and my oldest still running PC is a Pentium III 450 MHz. It's perfectly suitable for Baldur's Gate. Guess from which year that one is.
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