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Sure you can change the refresh rate but unless you actually see tearing that bothers then don't worry about it.
Seems fine. It is Freesync compatible. 1080p at 27" won't have the best pixel density ever, but since you have a GTX 1050 you probably wouldn't want to go up to 1440p. If I were the one shopping I would probably look for an 8-bit color IPS panel instead of the 6-bit one here, but it's not a huge deal for just gaming.
I"m doubtful with that underpowred GPU you're going to be hitting more than 60fps in many modern games
As explained, tearing may happen when the FPS rate goes above the Refresh Rate due to the data within the graphical display buffer of the monitor being replaced in part much more quickly than expected. This buffer contains the to-be-displayed frames waiting for a monitor refresh.
In order to understand why:
FPS is the amount of graphical updates your computer, your GPU attempts to send to your monitor for display.
Refresh Rate is the amount of times your monitor turns off and back on to display the next image. It loads this image up from a buffer and this data gets overwritten quickly by new input send by the GPU.
As such, depending on the timing, tearing may happen when the FPS is too high compared to the refreshrate, because the buffer containing the instruction on what to display got particially overwritten at that time.
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Generally the advertised refreshrate of a monitor is their "MAX" refreshrate. You can of course go for a lower refreshrate. Usually, by default, any connected monitor will be set to 60Hz and you need to turn this up using Window's display settings.
(Usually this setting will sync with your GPU settings as well, but make sure that it is in sync.)
Make sure you install the driver associated with your monitor as well to avoid issues.
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Buying advise:
Depends on your preferences. I myself go for monitors with the lowest price assuming they fit the bill of my requirements. I don't need overly large monitors.
So for example, I may take a monitor with 120+ Hz refreshrate so that I can stare at it longer (its softer on the eyes)
but then also want it to be garanteed within my nation so that I can send it up for repair more easily when it is defect somewhere. As such I may pay a lot more for a monitor simply due to a location and garantee reasons, yet it is still a relatively cheap build. Its not much better than what you'd get from wallmarkt perhaps. (but there are no wallmarkts where I live)
Old or Not is not important. My monitor will probably be an older model. In fact, older models are well tested and used + often cheaper so I wouldn't skip out on that. That said, I will look at connection types (displayport, etc.) and what GPU is best supported.