I thought about building my own...but, nah. I’m a wimp.
You save a lot and it is not that hard. Pray and press. Here is a lower $ parts list I just put together, and you will not get anything close from HP etc. OS (about $100) is not included (and I forgot thermal paste). https://pcpartpicker.com/user/PBJ/saved/#view=8jRdbv
CPU
AMD Ryzen 5 5600G 3.9 GHz 6-Core Processor $129.00
Motherboard
MSI B450-A PRO MAX ATX AM4 Motherboard $89.99
Memory
Silicon Power GAMING 32 GB (2 x 16 GB) DDR4-3200 CL16 Memory $72.97
Storage
Leven JS600 512 GB 2.5” Solid State Drive $26.99
Case
DIYPC Solo-T2-R Black USB 3.0 ATX Mid Tower Case $46.95
Power Supply
Thermaltake Smart 500 W 80+ Certified ATX Power Supply $32.98
Total: $398.88