> much of which is the SSD
A 1 TB SSD is on the order of $150.
A 1 TB SSD is on the order of $150.
https://www.amazon.com/Samsung-860-SATA-Internal-MZ-N6E1T0BW...
That isn't a performance monster. But you could get something really top-of-the-line for, say, $400.
That said, Apple should not be sodering these SSDs to the motherboard.