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Yes, the built-in graphics is just about incapable of modern games except at the lowest resolutions and minimum settings. In that respect, a lower-midrange card is probably a good choice for you then, as it's not worth a higher-end card if you'll only be maybe playing one game.

I wouldn't bother with M.2 in a desktop, you have plenty of SATA slots and space as it is, and M.2 SSDs are generally smaller and/or more expensive. A standard 128-256GB SATA SSD is the best value for money right now.