I agree that eBay is not the best place to look for a "cheap" vintage XT computer nor, to use eBay prices as a benchmark for what those components or systems are actually worth.
Unfortunately, due to their age and these becoming more scarce, people seem to think that every computer from the 80's has now become an investment and now charge ridiculous prices for those components and/or complete systems.
However, I have used eBay in the past to buy individual components and, on a couple occasions, have managed to acquire components for very good prices.
Another place to look is AmiBay.
What I can perhaps recommend:
Check on Facebook or in your local community for any vintage computing and/or console groups.
If there are none, take the initiative and be the first one to create such a local group. State what the purpose of the group is. At first, it might go a bit slow, but as word gets around, more and more people will join up.
Fortunately, where I stay, we already had such a group and within two years of joining, I managed to acquire a complete Olivetti M24 (and recently an M21 as well), dozens of computer parts from the 80's & 90's (motherboards, controller cards, MFM hard drives, floppy drives, graphics cards and even a CGA monitor).
As a matter of fact, about 18 months ago I wanted to get hold of an IBM 5160. Via networking, I managed to acquire all the parts (except for a genuine IBM monitor) to build up a complete and original IBM 5160. Some of the parts I actually bought on eBay but, most of these I acquired locally (for free) from fellow collectors who had also acquired so much over the years that they reached a point where they just wanted to get rid of the stuff.
I think many people don't realise how many other people are out there with boxes of these old parts in their store rooms, basements and garages who are (from time to time) cleaning out these old storage places and just dumps it.
If you can reach these people before they just dump it, then you'll soon have the problem I'm facing (which is running out of space 🤣).