I’m in my late 40’s and don’t own a single high end designer bagI’m a jeans, tshirt/sweater, and sneakers kind of gal when I’m not working. Looking for something that can be dressed up or down and goes with a slightly grungy (?) vibe. Does that even exist?
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If I was going to buy just one bag for $2-$4k, I'd go for something in leather that was solid black. I'd want it to be comfortable to wear for long periods of time as well. I'd also want it to have versatility, with a detachable shoulder strap to wear crossbody. My favorite bag like that is my Coach Kelsey bag from the outlet (which I got on Poshmark for $25

Assuming you want a mid-capacity bag (e.g., can hold your SLGs as well as a water bottle, sunglasses, umbrella) I'd maybe go with something like the:
1) Coach Cassie: https://www.bloomingdales.com/shop/product/coach-cassie-leather-crossbody?ID=3310707 (or the vintage version - the Coach Court. Old Coach leather is indestructable)
2) This is similar in shape to my Coach Kelsey: https://www.saksfifthavenue.com/prada-daino-leather-top-zip-tote/product/0400010886812
3) The Louis Vuitton Sienna bag is, in my opinion, a very practical shape. However, I don't think that LV canvas can really be dressed up for a formal night out, but if you found something in a similar shape, that might also be nice!