If you are not using your computer for gaming you might as well just save the money and go for integrated GPU or use the saved money for a better CPU. There is also the fact that with a discrete GPU you will likely need a more powerful PSU. If anything, the only drawback is that the iGPU will use some of your system RAM, but with at least 16 GB RAM it shouldn’t be a problem at all. There are also no tradeoff with core count and most Intel CPU’s do come with iGPU.
I have also always used a discrete GPU, but I’m also using my computer for gaming from time to time.