GPU is half the price of a full build, is this still true?

Bought a 6700XT for 400USD last year.

But the platform update required means that I possibly only do a budget MoBo + CPU for 400

Then PSU, case, ram, cooler are all additional.

My previous CPU lasted 7 years, my Ryzen 2600 is 5 years now. Which means I can’t play Remnant 2, Starfield or Lords of Fallen. Not the best optimised games, but a trend nonetheless.

Would future proof mean getting a top shelf Intel or the 7800x3D to last 7+ years? Or just go budget every 3 years?

Apologies if I don’t make sense the current market is confusing along with inflation and random price increases