I agree, you will need a new mother board with all of the new security chip(s) for anything above W10 to work. I also agree that getting expert advice from the computer club would be a great idea, it has been a long time since I built my last computer, so I am not in a position to help.
You could see who the manufacturer of your current motherboard is, and contact them to see what their 'entry level' W11 or better board would cost, and if any of your current boards would be suitable as well as memory. This would probably be your minimal cost. Next option as mentioned would be a certified rebuilt unit. Upgrading just the hard drive on your existing computer will NOT allow you to upgrade to W11 or later, you will absolutely need the new security chips.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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