When you're talking about $5000+ for a laptop, this is the point where I think "leasing" comes into play. I'd rather lease it and then give it back - upgrading to the newer thing later on, than pay it off and get stuck with overpriced, obsolete hardware.
I personally like buying prebuilts. They use the appropriate equipment and then warranty it. My cousin burned out her 4090 Alienware laptop and Dell replaced it. If you're talking about a $5000+ laptop, I want the lease because this way, if something goes wrong: IT'S YOURS - NOT MINE and I'm on warranty so you can take it back and hand me my replacement - if you want me to continue paying.