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A compromise for when you want a high quality webcam without spending money or dealing with the downsides of using an "real" camera is to use your phone. A 3 year old iphone/samsung will have a built in camera that is better than any webcam you could find under 150$. When you are pairing it with a PC, you can use the back camera instead of the front facing one.

They either work through OBS or a dedicated app that you have to start on your pc. I paid for an app (droidcam, 15$ for the "premium" HD version and free for SD+watermark irrc) because I was in a hurry but I know there are good free alternative if you have some time to spend trying them.