Personally, i'd go with Intel as well. Not because it is the most expensive one, but because it is new and comes with a warranty. While other two have no warranty. And that RTX 3060 could be ex-mining GPU.
Here's a good vid about if it is good idea to buy used GPUs or not;
(Starts at 11:42)
View: https://www.youtube.com/watch?v=g1Yp6pQRdns#t=11m42s
With hardware, you have 2 choices;
1, Buy from questionable source, no-name hardware and play the lottery that you MIGHT get decent piece of hardware for paying peanuts.
Buying used always has it's risks and getting working hardware is 50:50 chance. Either it works and you scored a great deal (hence why people buy used hardware in the 1st place, to get great deals), or it doesn't work (or works partly) and you have a nice paperweight. Not to mention money wasted + your own time and effort troubleshooting it.
2. Buy from reputable source, brand name, brand new hardware, get warranty, be assured it works, while paying proper price for it.
I, personally, am not rich enough to buy used hardware. Thus, i only buy brand new stuff.
Yes, it is a balance.
If good/great quality PSUs would last 2-4 years, then it would be easy. Just get on-spot wattage PSU and replace the whole build in every 2-4 years. But since good/great quality PSUs last 7-10 years, one needs to consider what future could bring. Nowadays, it's easy for good PSU to last through 2-3 builds, until PSU itself is replaced.
The thing is, i don't know the financial situation of anyone i'm suggesting PSUs to. In 2-4 years time when GPU upgrade rolls around, they may have more funds or they may have less.
Some scenarios:
1. If, by that time (2-4 years), they have more funds and on-spot PSU was suggested - great, they can buy new PSU too.
But it would be waste of the old PSU, which has many more years still on it.
2. If they have more funds and higher capacity PSU was suggested - great, they can save money not buying a new PSU.
3. If they do not have more funds and higher capacity PSU was suggested - great, they barely make it and use old PSU.
4. If they do not have more funds and on-spot PSU was suggested - they are screwed. Without funds for new PSU, PSU will be a limiting factor.
When considering PSU's lifespan and component upgrades, suggesting on-spot PSU is bad idea in both situations.
More funds situation means more electronical waste.
Less funds situation means person is screwed and stuck with their PSU.
While suggesting higher capacity PSU has win-win in both funds situations.
I don't favor short-term gains. Instead, i favor long-term gains.