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No they aren't.
People will happily use them for many many years to come.Ok, maybe a slight exaggeration, but would you spend money on one if buying a ‘new’ Mac?
pjay-
It's not a slight exaggeration, it's bullshit (no offense).
And yes, if I was on a limited budget as OP stated abve (1000 or a bit more for phone and computer) then I'd go ahead and get a refurbished iPhone and a used (intel) Mac because everything else like shiny new iMac, Studio etc. would be out of the question.
salad
No they aren't.
People will happily use them for many many years to come.