I got a maxed out MacBook Pro thanks to the large amount of FOMO/YOLO vibes on this site. 😉 haha Actually, I run a handful of virtual machines for work and I tend to go overboard with configurations. If I'm honest, I could get by just fine with an M5 and 24GB memory but I can't get that combination in a 16" MacBook Pro. So I had to go up the ladder and I figured might as well get the M5 Pro and max out the memory. It will definitely handle anything I need to do for the next 5-7 years.
Lots of folks on this site work with AI/LLM models, professional video/photography/music/design, lots of workloads that can take advantage of a maxed out Mini, Studio, and Mac Pro. For general desktop usage as you mentioned, I think a Mini will be fine. A Mini with M4 chip, 256GB storage and 16GB memory will cost $599. But you can load it up with an M4 Pro, 64GB memory, and 1TB storage for $2,399. It's a great value in base configuration but will scale up to a fairly mighty desktop if you start to max it out. The Mini can get some serious work done.
Yeah, if AAA games are your thing, you'll still need your PC. Having said that the M4 Pro with 64GB will do an admirable job with many games, including AAA titles (native and ports) that arrive later to the Mac, so it's not zero gaming, just limited AAA.