I'm also into motorcycles. Before I owned a house with a garage, I had to continuously pack my tools up and unpack them the next day. A bigger project meant schlepping parts in and out of the house. I had to keep track of the weather to work on my bikes.
Then, when I got a house, I made sure to get one with a garage and power. It transformed my experience. I was able to leave projects in situ until I had time. I had a place to put all my tools.
The workstation is a lot like that. The alternative would be renting. But then I'd spend a lot of my time schlepping data back and forth, investing in setting things up and tearing them down.
YMMV. I wouldn't dream of trying to universalize my experience.
I would bet it continues to be more affordable to buy reasonable specs with current consumer hardware, rather than buying a top system once.