My budget for music is low.
If my budget allows, I may be able to buy bigger VSTs. So I dream ...
if your budget is low, and your demands aren't too exquisite, may I suggest using Linux and free and open source tools? I use:
- Debian Linux (since more than 20 years)
- the KXStudio repositories on top of that, which bring some really nice things for free, like Carla and Cadence for instance
- Ardour as my main DAW - see https://ardour.org/ and https://manual.ardour.org/toc/
- for plugins, mostly Calf (Linux only, see http://calf-studio-gear.org/ for what you get and how it looks) and the free ones from TAL (see https://tal-software.com/products also for Windows and Mac (VST, AU, AAX))
- countless other free plugins, a good list is in https://libremusicproduction.com/tools.html
See a compelling reason for using free (or even self-made) stuff in an interview with Markus Schmidt, one of the programmers of the Calf Studio Gear at https://libremusicproduction.com/articles/lmp-asks-6-interview-markus-schmidt.html
I have some commercial stuff, mostly what came together with my interface and so on - but I don't really see an advantage of using these (on Windows or with Wine on Linux) against the free tools I have...
My computer is an older Core i5 (4th generation or so, the actual ones are 10th gen) which I built myself - so it's all pretty cheap. In fact my bass (also cheap), amp, interface, and mike together cost way more than my machine, with all the software for free... :)
Hope that helps,