The Prusa is what you want; it works straight out of the box and requires basically no tinkering. It’s just not at the price point you’re looking for. Given that, I would go with the Ender 3 v2. It’s a great printer, but you do have to assemble it first. It’s easy enough to do, mine had good instructions with it.

For a print surface, I live in an extremely dry climate and had a hell of a time getting anything to stick to the bed until I switched to a PEI sheet. It’s a textured, magnetic, metal sheet coated in PEI. It’s nice because it magnetically sticks to the printer and you can peel it off and flex it to pop off your prints. That single issue was pretty much the only issue I’ve had with my Ender 3 v2. Very little tinkering. It’s a great printer at a great price point. But you do have to put it together first.

I’ve thought about getting a BLtouch or something similar, but I just don’t have to really level the bed very often. The only times I do re-level it are when I occasionally have to pick up and move my printer.

I also have never used an enclosure, but I only print with PLA. As others have mentioned, there are other materials you can print with that create toxic fumes that you would want to vent outside. In that case, you would enclose it. They could also reduce noise, but that’s never been an issue for me.

I would also recommend sticking to PLA filament at first because it’s easy to print with and sticking to one material means you don’t have to change any print settings.

tl;dr The Ender is a great choice, unless you want to increase your budget and buy a Prusa.