I’m about to upgrade to a full-frame camera (non-negotiable!), and I’m stuck deciding how to balance my $3500 budget. Here’s the dilemma:

1. Option 1: Get a pre-owned body (Nikon Z7, Sony A7 III, or Canon 1DX II – all priced similarly, and in decent condition at $1150) and use the rest of the budget for high-quality lenses. I'm limited to these three options, because the place I've narrowed down to, for getting this gear, is offering me very good deals, and comfortable payment options.
2. Option 2: Splurge on a new body, but start off with more basic or budget lenses.(I'll probably left with only enough to buy a 50mm f/2 prime and mot anything more.

What would be the smarter choice for someone looking to maximize value long-term? I've been always a portrait person and do indoors occasionally. Would love any advice, especially if you’ve been in a similar situation!