I worked in pc sales way back, I used the exact same line that you just used to get people to spend more. “You can’t really overspend on a pc, it’s a long term investment.” Honestly it’s bullshit, you definitely overspend and you will if you’re not careful.

You can overspend by buying the wrong parts. The classic move is getting the wrong motherboard for your use case (most people don’t overclock). Another similar move is getting a flagship processor while not actually needing the extra processing power (most people are better off putting that money in their gpu).

Then there’s RGB, designer cases, fancy keyboards and all sorts of other stuff.