If you want a PC that isn't weaker than a console then the up front cost will be more but there's various benefits like not having to pay to play online which reduce the gap over time. Though if someone is only gonna play single player or local multiplayer stuff then that part doesn't matter for them. Even in that case however the higher cost also gets you a higher quality experience like being able to use mods and having access to a bunch of store fronts instead of just one.
You don't have to spend hundreds a year to maintain a modern PC, not even close. After you've bought the parts or the pre-built you don't have to spend any more on it at all unless you want to or get unlucky and run into hardware issues. Dropping thousands on one is completely optional but can be done if someone wants a really good PC that'll play games much better than current consoles but most people don't do that and have low to mid-range builds instead. If someone wants a high FPS at 4k with the settings turned up then that'll need pricey hardware but if instead someone is content with 1080p 30fps then a fairly cheap rig would do them just fine. Basically you get what you pay for and can customize things to your liking so if you want one that costs around 1k then that would get ya a nice PC.
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