If it's audio/video, spawning VMs, it doesn't matter much. If it's for generative software, it might become an issue.
You know it's almost like if PC industry hardware designers are not complete morons.
Neither gets you any kind of useful warranty, at least for most people, who are unwilling to deal with overseas companies.
Apple has actual physical stores, and a phone number you can call.
I anticipated this concern, the $509 I gave earlier is the Amazon price that includes the mark-up. The Beelink SER7 costs only $320 on AliExpress.
Modern solid-state electronics are very reliable, most reliability issues for electronics are related to screens or batteries; which desktop computers lack. I guess there was a bad-capacitor problem over a decade ago, but nothing since then. If your risk-aversion for a desktop computer is high, you pay the Apple premium (possibly buying Applecare), or self-insure by buying 2 SER7s for nearly the same price ($640) as one regular M4 Mac Mini and keep the other one as a spare.
But that's aside from the main topic which was the personal and home use case. On that topic you get a decent set of products as well such as Pages/Numbers/etc. and others along with software support for the Mac Mini. I'm guessing the Beelink runs on Linux? That may be hard for some to work with (which is unfortunate since it's really not), or maybe they have to separately buy a Windows license? Something to consider in the comparison.
This is squarely in the NUC/SFF/1l-pc territory, and there is plenty of competition here from Beelink and Minisforum.
I just found the Beelink SER7 going for $509, and it has an 8-core/16-thread Ryzen 7 CPU, 32GB DDR4. The 8845 in the beelink is very competitive[1] with M4 (beaten, but not "easily"), and also supports memory upgrades of up to 256GB.
1. https://nanoreview.net/en/cpu-compare/apple-m4-vs-amd-ryzen-...