Looks like tool holders and vises haven't come up yet? I love my Glacern R8 ER25/16 tool holders, 3" FM45, keyless drill chuck, and a pair of 4" vises. I believe they are made in Taiwan (possibly China) and are of outstanding quality and have an excellent surface finish. It's almost
Black November (Glacern's take on Black Friday), so be sure to take a look! Maybe see how the "Hobby Machinist" pack fares pricewise. It might be enough to get you started. You likely won't need a full ER collet set either, so pick up a few 3/8" and 1/2" as those are my most common end mill shanks.
I figured my mill (PM-30MV-L) would suit me well for several years before upgrading to a larger machine. I spent good money on quality tooling, though I did go back and forth between buying several R8 ER collet holders or going straight shank TTS (Tormach Tooling System) style.
Look on eBay for a used Criterion or other boring head in good shape. I picked up an 3" indexable boring head from Shars. I took a chance on it, since the used heads alone on eBay at the time were $350+ (now they're $60 all day long?!). I slightly regret this purchase for the slop on the screw making adjustment tricky, but the inserts do cut well and I have gotten good results. If I can rig up an antibacklash setup, I'm sure it will be just peachy.
As for budget, my machine was not much cheaper than a PM-932 ($1900 delivered), and with all of my tooling and CNC conversion components, I sit around $4500-5000. It's definitely possible to get the PM-932 with 3-axis DRO and tooling in that same budget (3-axis DRO is about the same as a CNC conversion).
Knee vs. Benchtop? If the PM-836/935 is as good as they say it is, Knee
Especially if you're primarily going to be using DRO and manual operations.
For CAD/CAM, I've been getting into Autodesk's
Fusion 360. If you get it before November 8th, they will upgrade you to the Ultimate package for $300/year vs. the full $1200/year. They have a lot of YouTube tutorials and it is fairly quick to pick up, though I'm still in the mindset of SolidWorks. I don't know if you need software, but it's something to consider if you haven't planned on it yet.