Which that $1865 one does not provide. Even before ray tracing, most games struggle to hit the 144 rate you're aiming for, so with ray tracing that drops down to like ~40 (Cyberpunk 2077 for example in that 6900XT card). You have to enable workarounds like DLSS/FSR to make those games playable.
The only way you're getting good framerate at 4k is without ray tracing, but you're paying $2000 to have to worry about still disabling settings? Ridiculous!
So yes, they are overpriced. For $2000 you should not be worried about having to enable FSR.
The usual excuse when this is brought up is "well just don't play those games, they seem unoptimized" to which again, the question is, why are you spending two thousand dollars to avoid playing certain games? How absurd.