Tbf I’m really not savvy in loans, but I mean any amount of money X that you have to pay back with Y% of interest in Z days. If you take that loan and you know an investment that will guarantee you (Y+1)% then you should borrow money. (That conclusion is of course completely neglecting risk management)
You could try EndeavourOS, it’s based off Arch, so 99% of the Arch wiki can be directly applied to your system, and the installation process is much more normal with a GUI and a selection of Desktop Environment to choose from.
The hardest part with Arch is getting the initial setup working imo, so you can put a few more hours trying to install it (if you’re ready to bear the frustration that might come with it) or pick a distro like EndeavourOS with a GUI installer to get a working system quicker.