Reolink cameras look like they check all of your boxes. They can be self contained systems with a “recorder box” (actual term is NVR) that you keep on your property out of harms way or it can be a DIY PC with a program called Blue Iris. There is a variety of cameras to choose from with different features like Wifi, POE, PTZ, solar powered, etc. Spend as little or as much as you want. As you mentioned in your post, this will be pricey up front but will be cheaper in the long run.
Kinda ironic that you didn’t cover your email address in a privacy community