If you're price conscious, buy the self-assembled framework kit. It's fun and takes half an hour to assemble.
I got a framework 16 with a handful of upgrades for $1400. I added 96GB of RAM purchased separately for $300 (before the shortage). I also got a 4TB NVMe for $300. What do those upgrades cost cost in a macbook?
I think most people care more about their OS than their hardware specs, so they defend their purchase like it's part of their identity and it's hard to have a rational discussion.
Edit: If you're talking about the Intel model, I agree with you. The Ryzens are fantastic.
In the context of an M5 Max with 96GB of VRAM, it's a bargain compared to the price you'd have to pay for an Nvidia GPU with 96GB of VRAM for AI.
But if you're talking about slow RAM, you're right. Apple doesn't sell slow RAM on their laptops.