Thank you Jack! I agree with both you and rkaufman87. I'm grateful for your advise and as per your suggestions have decided to buy directly from Apple. I am looking at the .... Refurbished 27-inch iMac 3.8GHz 8-core Intel Core i7 with Retina 5K display
$1,659.00
Was
$2,299.00Save $640.00
Due to research I am leaning towards the 27 inch iMac i7 is because it is upgradable and I am really stretched to fork out $1600 let alone more and I like to pay cash in full. Plus this particular iMac was the best price that was available with the Retina 5K display, the 3.8GHz, and an i7. I understand that the M1 is probably much better, alto not upgradeable, it probably wouldn't need any upgrades for quite awhile. Maybe the one I'm looking at won't either as it seems like it would be more than enough for my needs, which are ... multi-tasking with too many tabs open, designing websites, building chat bots, designing logos, creating animated videos, etc. Stuff like that.
Maybe, since Apple does take trade in's, down the road when I can afford more, use the above one as a trade in and upgrade to the M1 later after I start making better money doing these services?
Does this make any sense? Am off target? Please feel free to set me straight.