No account making from the game itself, it’s a fully offline single-player game. However, if the copy you got is from Microsoft store, you might have to make a Microsoft account.

You missed the time to upgrade, last year there was a craze going around on gpu discounts, Kabum and Pichau had deals all the time. I bought a 6750 XT for 2400 reais, and a month later it was down to just 1950 reais, the 6600 was selling for little over 1100 reais. And even some Nvidia gpus were with good prices, I remember the 3060 12gb selling for less than 1400 reais.