Check out this video by EposVox: Linux Capture Cards Guide
He’s a streamer that goes over a bunch of different capture cards, their performance on Linux, and which features work the best. He also gives some helpful tips on Linux Streaming in general.
It’s a little old, but should still get you on the right path.
But don’t worry! If you’re fortunate enough to have a job at a good company that pays well, then you can spend $300-$500 of your monthly paycheck to have an insurance company possibly cover up to 80% of the cost! Assuming you are in-network, picked the right plan, followed all the confusing steps to file a claim, and aren’t disqualified by one of their dozens of contingencies.
Land of the free babay!