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It really depends on the cost and availability of the GPU. I tried to look up the costs for the US, but those price spikes (some cards that go here in europe for 200€ run for 2300$ there, wtf?) make it hard - therefore it's really a case of "what is available and in the performance/buck range i'd like".
That said, you CAN get away with an about 1/3 Passmark score slower card for entry, which should open the field even on the US market.
Further probable cost reductions are the NVME drive - you can halve the space, but with game installations for AAA games cracking the 100GB mark, i wouldn't recommend it unless you have a lightning fast internet connection and dont have an issue with swapping the installed games in and out.
You can further reduce costs at the PSU by reducing efficiency (i went for 80 plus GOLD standard, which gives you around 88% efficiency according it's certificate), but what you save there at buying you pay with your energy bill.
Last thing you can do is reduce RAM to 16GB - for normal operation it's still enough, but we're very close to the point where 32GB become mandatory for good performance and it would be the first thing to upgrade - at least it would be easy and not very expensive to do so.
Taking all that together you can surely drop the costs here in the EU by around 100-150€ without losing upgrade potential, at the cost of dropping detail levels in AAA games to medium and probably some swapping issues with very RAM-dependent games (i'm looking at you, modded minecraft ⎝❮Ỡ益Ỡ❯⎠ ).