True, but many a computer I've bought (including my last 2 non Mac laptops), I replaced the RAM and SSD immediately, so I didn't benefit from them being included (other than being able to prove the machine works upon delivery before turning it back off for the upgrade).
Not necessarily, my current 8th Gen Intel laptop is doing fine, but if I were to upgrade, I'd probably want to carry the Wi-Fi (Intel AX200), 16GB of RAM, and the SSD to the new one
(Both the RAM and Wi-Fi have been upgraded by me from the original ones)
Fair point - although I'm guessing you originally paid more than $100 for those parts, so it'd still be over $600 total, just spread out over time :)