But you already know that the graphics card has to do an enormous amount of work, especially if you want to connect 2 monitors and many windows are open, right?
But if that's enough for you, then I don't mind, it's just my opinion.
PS. I've bought a few hundred PCs (especially DELL workstations) for the engineering department in the last 25 years and have never bought a PC with an on-board graphics card.
If you do CAD work, or video editing, or even more so 3D rendering or play games, yes you need a good graphics card. We have a lot of those here where I work as well. I am sure there are a number of other video intensive applications but I myself apparently don't use any
For the kind of graphics that an IDE uses (mostly windows with text and a few icons), the built-in graphic hardware in modern CPUs does just fine and actually you probably would not see any difference with a high end graphics card, even with multiple monitors. This is the bread and butter of office computing (think Word, Excel and PowerPoint) and integrated graphics are designed to do that well. Since some of them share RAM with the CPU, that's another reason for having lots of RAM.
In my experience, RAM and SSD are your best friends for software development, not just B4X, I use Eclipse and Keil a lot. I was surprised how much of an improvement upgrading from 8GB to 16GB did, particularly since I am using the Chrome browser (a notorious RAM hog) and I always have a bunch of windows open. I rarely, if ever, reboot the laptop that may be on for weeks at a time. Does not slow down. My office machine (an other, newer Dell laptop), which has a better CPU and SSD and is generally faster, but has only 8GB RAM and needs an occasional reboot, doing the same kind of work. So I got into the habit of rebooting it every weekend.