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If I want hardware I can't plug into my existing MB, I just buy all new parts and build a new PC and give my old one to one of the kids or something.
On the other hand, if I want a big upgrade and I have a bunch of leftover parts, I generally throw them into a new case with a lower-end MB and lower end versions of whatever I kept in my old PC and wind up with a leftover "old" PC anyway.
But I rarely can afford to upgrade my computer. I already gave away my old PC to a kid who needed it and I'm just using my work laptop as my only computer. I owe myself a new PC, but it looks like I'm going to be spending over $5k by the time I have the money saved up for it. That's a spicy meatball.
I've noticed some good secondhand stuff recently. If you think like getting a project car; $50K brand new, but got this one for $10K, needs about $10K of parts and some love then it's ready to go.