Well here's the deal. The lowest budget I can get is the one I'll take. BUT. If the extra money is for something noticeably superior to a lower-end solution, then I'll gladly take that. First off, I live in Greece and this country has a reputation for pushing the prices of things all the way up to +80 - 100%. That being said, I have also looked at a neat alternative to the GPU listed above, which is the RX550 2GB. Cheaper where I live, but I don't know about the performance. Now, about the mobo. The thing is, I don't really want to OC anything. If I can keep such a PC fully operational with minimal wear of the components for a couple more years, I will do it. And btw, based on Linus' Tech Tips vid on RAM speeds, I'd say a 2400MHz is just right for me, both financially and performance-wise.
So... what I'm saying is that I want out-of-the-box performance that is great. A minimum of 30fps on any game I run on it. No less than that, plus some power for photo editing. I'm not a content creator, I don't do streaming, but I love the price points of AMD's Ryzen lineup and have trusted AMD for a really long time. My current PC is dying after 10 years of serious tweaking by a friend, gaming all day for months, heat waves, upgrades, recoveries and all that good stuff.
Price point? A 200$ CPU is all I can afford, I'm afraid. In Greece, a Ryzen 5 1600 goes for about 172 euros, so about 212$ in the US.