Neither of this would be suitable for flawless experience. I would advise to postpone the project, save some money and get the first (with Ryzen 5 5600G) with a better, not noname PSU and at least an RTX2060 or 3060. Lotus is just poorly optimized at it's current state, and needs a beefy PC.
SilentiumPC 500 W Vero L3 Bronze isn't good?
Maybe be quiet! Pure Power 10 MODULAR 600W CM (BN278) will be better?
If I will buy now the first configuration without GPU and temporary use GT1030 which I have, will It be playable? I will buy better GPU in the future, or might hopefully borrow from somebody when It will be necessary?