If it were my choice, I'd pay more attention to your "Windows 10" requirement more than anything else because that WILL affect what hardware you should focus on. From what I've read, Microsoft will be releasing the LAST version of Windows 10 in Oct 2025. If you have hardware that does NOT support Windows 10 you may have no alternative but to get new hardware at that point anyway. 

Given that, I'd take a really close look of the hardware that you have, and whether or not it could support upgrading to Windows 11 (or later) eventually. If it doesn't, I'd hold off on your upgrade until you have enough socked away to purchase a rig that will allow you to run an OS later than WIn10.

See https://www.zdnet.com/article/microsoft-windows-10-is-a-security-disaster-waiting-to-happen/