My take on this is that despite the Studio + Studio Display sounding good in theory, it actually doesn't make any sense at all if you look at it as a value proposition.
Speaking of the U.S. pricing, the base setup will ring you up for 2k + 1.6k = 3.6k, but to make use of that extra graphics power and RAM you'd need be doing niche workflows. From your message it sounds like you don't.
Even if you do, a M1 Max 16" MacBook Pro is 3.1k and often comes at huge discounts on Amazon and the like, plus you'll get an amazing all-in one with elite performance, with the downside of having a smaller (but an XDR, 120fps screen).
An M1 Pro version would be even less expensive.
For regular home or office use, and if you are ready to trade mobility for the screen size, an iMac is a killer machine. It is the package deal that is very suitable to general use. Don't be fooled by the basic M1, it's still a beast and will be fully adequate for years to come. Remember, its single thread performance is identical even to the 4k USD M1 Ultra.
If I were to pull the trigger today, I would go for the MacBook due to the massive deals available right now.
If I had 6-8 months to make the decision, I'd wait for the M2 iMac (there also rumours of the 27" version making a re-appearance).