I'll be using it mostly for gaming, possibly self-hosting various things as I think about them. I'd like it to be mildly future-proof, but I'd also like to cut the price down a bit. Right now it's going to cost basically my whole tax refund, and if possible, I'd like to save some of it to further my education.
I'll be using Linux (don't know what distro yet, but that's another post for another /c/), hence the all-AMD build.
If you are looking to reduce the build's cost consider a cheaper motherboard or a used GPU. The Asrock B650M-HDV/M.2 is the lowest you should go if it has all the connectors you need. As for buying used video card it's always a bit of risk, but as the most expensive component you could save the most on that. Since all AM5 CPUs have an integrated GPU you could build without the dedicated GPU first.
Great advice on the mobo, I've got that and a WiFi card for less than the one I had previously! I don't feel like I know enough about the GPU market to buy used, but if the integrated one is good enough for gaming, then that would be huge. The big game I wanna play is BG3, do you think it would work for that purpose?
No, the iGPU is only meant for testing and basic desktop usage like video playback on the 7000 series. There are 8000G series with better integrated graphics but even those are much weaker than any dedicated GPU.