i have work whit unreal engine 4 on a MSI Armor rx570 8gb oc adm ryzen 7 1700x and 64Gb ram i haven’t encountered any problems, maybe you can’t use 8k textures and super complex meshes or experiment with particles but for everything else is fine you can make a smartphone MMO with such PC
you jast limited to te texture scale 1080p so you don’t die of boredom for loading time while you work
if you do the whole project without graphics you just need a laptop with 64gb ram and a decent cpu 1000$ todey market laptop is in off
but once the game is done you can always get a serious PC to mount 4k 8k texutre and particels graphics lighjt and shadows at the end of the project