I just got a Minisforum UM870 Slim with AMD Ryzen™ 7 8745H for €304 (taxes included + €30 shipping), and sourced locally used SODIMM DDR5 RAM at ~120 EUR for 16GB: I'd certainly take a full-fledged mini PC at 450 EUR than a Pi at 385 USD + VAT + customs fee (pretty much the same price most likely).

Yes, I'm missing an NVMe SSD in there too, but I've got a bunch of older 512GB drives around from upgraded computers.

Power usage is probably lower on the Pi5, but likely not by much anymore in the idle state.