In this day and age I would be wanting the best GPU and as much memory as I can get.
And if cost is a constraint I most certainly would not be paying extra Nvidia tax.
32gb of memory minimum. 2 sticks. DDR5.
16gb on the GPU. 9060xt or 9070xt.
CPU is one of the easiest low cost upgrades you can do in the future. And if you are not competing in online eSport game titles, you can pick up a 1440p monitor with decent refresh rate for not much more than a 1080p display.
If you are going to be considering a budget pre build, then you will be as well just accepting what meets your wallet.
What games are you wanting to play, at what refresh rate and why 1080p?
Remember with AM4 and AM5 when you want to upgrade, it's not as simple as buying the same memory and adding more. As Ryzen systems don't always play well or simply plug and play with four sticks, you may need to play around with timings.
And cost won't be going anywhere. 16gb of DDR5 is £230, 32gb is £330. You see the diminished return.
A second hand 7800X3D is around £200, £360 new, a new 7500X3D is £230. Even a 7600 at £160 can do high refresh rates.
Any reason you can't build your own?