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I would buy used. Especially the body, as there aren't too many non-obvious defects a body can have. Buy from KEH or MPB and test your gear. You'll save a ton of money that way.

I'd go for an X-T3 or X-T4, depending on whether you need IBIS or not. Personally, I use bright primes and stabilized zooms, so I don't.

Then, select a standard zoom. I'm partial to the 16-80, actually, which renders very nicely and is compact and versatile. But the Tamron 17-70 or Sigma 18-50 seem to review quite well, too, even though they don't fit well with the Fuji ergonomics. I wouldn't go for the 16-55 (too heavy, no OIS) or 18-55 (too OLD, no WR) personally, although neither is a bad choice really.

Otherwise, you have three choices: a wide zoom (10-24), a long zoom (70-300), or a prime. If you buy used maybe two or all three. But make sure to test used lenses thoroughly, especially zooms. They decenter easily when dropped. Repairs are generally relatively affordable, jsyk.

In terms of primes, I like the compactness and rendering of the older lenses, the 35 f/1.4, the 23 f/1.4, the 14 f/2.8, the 60 f/2.4. Their bokeh is very uniform across the frame, which I like. I'm not much of a fan of the f/2 primes, with their swirly change of bokeh in the corners, and their smaller aperture. The newest set of 18/23/33 f/1.4 are probably great but too big and expensive for my tastes. But choose what focal length you like, and what rendering you enjoy.