Pisgah is a good brand. Action can be adjusted many ways via bridge, neck adjustment, fit to rim but worn frets is a no go.
I passed on a beautiful Deering Calico due to worn frets. The seller was attempting to cover it up by intentionally obscuring the worn frets in all of the photos. I asked for some specific shots of the banjo and there was no hiding the highly worn frets. His reply was that it doesn't effect his playing

Hard Pass.
Good luck. I have had good luck scouring BH classifieds and pouncing on new listing from private sellers. There are many on there who are flippers, they buy then relist with a higher price.

Try to time it before Xmas, and the spring when the festivals open. Everyone is buying or prices are elevated.
Midsummer doldrums, and deep winter blues make the best time to shop. People are bored, frustrated at not becoming a banjo master in 2-3 months and are cleaning house to fund another hobby.
There are some small shop makers on BH who will only build a small number per year. It is mainly their hobby but the sales keep them funded. Find them and shoot them a message for what you are looking for. They may be able to accommodate.
Keep looking the right on will come