A desk microphone can improve meetings, podcasts and streams immediately. The biggest gains come from placement and room control, not just the microphone itself.
USB Simplicity
USB microphones are easy to set up and sound good for most users. Look for gain control, headphone monitoring and a stable stand or boom arm.
Room Noise
Dynamic microphones can reject more background noise than many condenser models. Soft furniture and close speaking distance also help.
Final Take
Buy a microphone you can position well. Good placement beats expensive hardware used from across the desk.