I think if its a one off purchase for use as a general pc or learning tool that doesn't require GPIO something like a second hand thinkcentre or optiplex is probably the best option.
They'll be cheaper than a Pi 5 or Pi 500, plus often come with a keyboard and mouse in addition to the power supply. Sure, they arent going to be quite as power efficient but you're getting significantly more for your money, as well as repurposing second hand kit that might have otherwise ended up in landfill.
GPIO aside I struggle to think of a good reason to buy a Pi 5 for this sort of application, especially when the cheaper second hand alternatives have one thing the pi doesn't - upgradability.
On the N100's, they seem to occasionally get a fair bit cheaper. The GMKtec G3 Mini for example (8GB ram, 256GB SSD) was down to £67.55 on Aliexpress[1] recently for example.
I do like a good Pi but for a lot of applications they just do not make much financial sense anymore.
[1] https://www.hotukdeals.com/deals/gmktec-g3-mini-pc-intel-ald...