RYZEN systems are so easy to upgrade. Start with something modest and upgrade as you get the money to do so. You can put together a very modest RYZEN system core (MoBo, CPU and RAM) for £150 with parts off ebay. Then buy more RAM when you can, get the next RYZEN in the range when you can, all whilst keeping the same motherboard. Then you can upgrade the motherboard whilst keeping the same RAM and CPU. That gets you to the 5000 series CPU. Sell your old parts on ebay to support the next upgrade.
My RYZEN started with RYZEN 3 1200 and 8GB RAM and steadily made it's way to what it is today; RYZEN 9 5900X with 64GB RAM.
I'm pretty much at the top now, the 5950X is the final one which I may go for.
If you compare that with any Intel upgrade path and you'd be switching motherboards with most CPU upgrades putting the cost up hugely. Plus it's very confusing compared to AM4.