I know you guys are sick of these posts, but I really am stuck. I’ve got a few options - and I’m happy to spend up to the most expensive one - however not sure if I need to

Here is some background: I am a final year high school student whose laptop just died and need a new one for the rest of school + into university. I do web browsing, school essays/assignments and lots of editing in lightroom/photoshop as I am a photography student

Here are the options I present to myself:

13" MBA M2 10 core GPU, 16gb ram, 512gb storage - $2,369

14" MBP M3 Base Model + 16gb ram - $2,799

Or on the refurbished store: 14" MBP M1 Pro 8‑Core CPU and 14‑Core GPU, 16gb ram, 512gb storage - $2,399

Refurbished 14-inch MacBook Pro Apple M2 Pro Chip with 10‑Core CPU and 16‑Core GPU - Space Grey - $2719

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Or if there are any other ones that you guys may recommend? It has to be able to handle lots of multitasking (as I tend to do many tasks at once over many apps, hence ram upgrades), and photo editing in photoshop/lightoom

Thank you all to advance

(Edit: Prices in AUD)