There is a 3rd type.
Those with the "dark horse".
It's a smallish black box PC, no RGB, mini-itx sized, sits under the desk, mostly out of sight.
Quiet, well cooled.
Has the latest gen CPU & GPU, oodles of ram and nvme storage.
In the same vein, the ancient Beige Box with the same specs as the Dark Horse. It might not have as good of cooling and might be significantly louder, but it'll keep up just as well. I had to use two 13,000RPM 80mm server fans for intake and exhaust in mine to cool an i9-12900k
It's what I have.
Case choice for mini-itx is pretty limited, but it's getting better. There are group buyins for small run manufacturing, like mechanical keyboards - but I've never been involved in one of those.
Not sure if there are any that would fit a 4090, tho!
But I love em!
I have a clean desk, nothing flashing, no risk of a glass side panel exploding.
The builds are a little more challenging and more expensive, but I quite enjoy it. Have to make sure parts fit, cable management has to be spot on, you need decent fans because there are less of them