Seems about an average price for systems with those specs! The OS you can easily install yourself by making an installer drive on a USB stick on the system you have at the moment.
If you want a SD car reader, those are cheap on Aliexpress and if you want an optical drive, you can always pull one out of an older laptop and shove that into a cheap external enclosure.

I bought a Lenovo two years ago, solid machine and never issues with it, but I eventually upgraded to a Gigabyte A5 to be able to run Stable Diffusion. I still have the Lenovo and it will become my 9 year old daughter’s first laptop.
The only thing I can say about my Lenovo is that it has two “R” caps on the keyboard and no “P”, a funny mistake from out of the factory, but you won’t notice until you have to look for your keys while typing (I do this blindly).