Yeah but the downside of that is that if money is tight then you could be locked out of new releases due to outdated hardware where as consoles have optimisation. I will always primarily play on console due to my friends but I would like a budget PC to play Overwatch and Indie games.
Yeah but if you build with the future in mind, you will be set for a solid 3+ years without needing updating. Either way, I think it is best to either be PC only or playing on both PC and console. Just console means you lose out on a lot. Plus you have to pay to play with your friends which sucks.