I don’t know how you can go wrong buying a gorgeous 5K display with a free built-in Mac.
I used the 2017 iMac 5K for years—best machine I ever used. OK well the 2019 iMac 5K was a little faster but other than that.
Perfect for anyone for home use—student or parent. And you can upgrade the memory later if need be, all the way to 128GB.
As for SSD, many people can do fine with a 250GB SSD (add something like the OWC Envoy Pro Elektron later, if need be), but 512GB is a lot more flexible, and my recommendation for photography usage is 1TB or 2TB.
Apple is not making the iMac 5K anymore and has stated it has no plans to do so. IMO, the iMac 5K is the best all-around machine Apple ever made—reliable and with a gorgeous display. And with an Intel processor, which some folks still need.