After researching laptops a long time, I concluded that Apple is worth the price premium, given hardware quality and their M chips' battery life and performance. We just got a base model M4 Macbook Pro 14 with the hope of keeping it for a decade. If Apple is an option for you, and you are on a budget, a Macbook Air would be a great laptop. If you have to get Windows or strongly prefer it, Wirecutter and The Verge have good buying guides. But the thing that led me to Apple, even though I had only ever used an iPad before, is that with Windows there are always little questions about reliability and some kind of compromise: The keyboard, the webcam, the speakers, etc.
I would not usually reply all but I put a lot of effort into my search and hope others will find this helpful!
(Side note, if you are interested in missing middle financing, please email me; my friend and I have been working on something to close that gap.)