I understand your budget is 10K. I had this same conundrum a few years ago with 12 and 14 year old. Buy something she can use for at least 5 years. This is what I did and I have no regrets. You might spend a bit more now, but she will be better off. Please don't buy online. Go to a shop. Look around. Don't let them install their junk W10 orW11 when the computer comes with it. I think we spent 15K each.
BTW I am not a computer expert. This is my opinion based on having girls about the same age, and what they use the computers for.
My wife's shop is busier than ever before. Her sister is now working for us full time, plus another part time employee. They can hardly keep up. But, it will take another year like this, to fully recover from the covid <deleted>.