My solution to this question a year or so ago was to take my gaming desktop, which was collecting dust after I moved to my gaming laptop, and gut it down to a 4U server rack case. Best decision I’ve ever made. 12 core Ryzen and 128gb memory. Got a 10g adapter in the pci express, 8xHDD for data and then 2 mirrored nvme for the OS itself. Only thing I kept out was the video card since I had no use for it (yet)

An equivalent “server” on the market would probably cost a fortune and cost you a ridiculous amount of electricity.