I bought an optical stereo microscope. Soldering with them is comfortable. It has both an 1x "lens" and a 0.5 barlow lens. Magnification with the 1x lens is a bit giggish, but it has zoom, so no biggie. Work distance with the 1x lens is a bit short, so I usually use the 0.5x barlow lens, which still gives plenty of magnification for soldering, but the work distance is a bit highish. I have to sit a bit uncomfortably straight in my chair or my eyes don't meet the eye pieces. A 0.7x barlow lens would be perfect (These cost around EUR35).
For the light, get both. The ring light is great for shadow free lighting, but it also obscures some things. For looking at tin whiskers for example, reflection from just the right angle is mandatory see them at all. gooseneck lights do not have to be expensive. You can get gooseneck USB lights starting from around EUR1, but they will need some power supply too.
For the ring light, do not buy the cheapest. The better quality ring lights have a glass disk that protect the barlow lens. You will have to remove this lens / light every now and then because it gets dirty from solder splatter and fumes.
Also, when you have light (and a power cord) on your microscope, you can also add a fan to either such up and filter fumes, or even simply blow the fumes away and disperse them, so they are not in front of your nose. Especially if combined with some general room ventilation, this is adequate for hobby level soldering (but not for 40 hour work days).
The "digital" microscopes are great for inspection, and some people can even solder under it. But because there is no depth perception with such an microscope, many people have trouble with soldering with it. Some get used to this, others don't.