1440p is the sweet spot. Very affordable these days to hit high FPS at 1440 including the monitors you need to drive it.
1080@120 is definitely low budget tier at this point.
Check out the PC Builder YouTube channel. Guy is great at talking gaming PC builds, prices, performance.
I hard disagree with one of your positions; I think 0 F is cold but 100 F is insane. I assume we grew up in different climates. I say this only to make the point that it’s subjective, but 0-100 is still the range of what people generally find tolerable.