@divertiti you got the facts wrong:
"This 432 EVO for example is a PC with a $160 MSRP CPU, a $135 MSRP motherboard, $80 worth of 8gb DDR4 ram, ..."
ASRock J5040-ITX SoC motherboard comes with Intel Gemini Lake Refresh SoC already soldered and passive heatsink included for about $150. Availability is a problem though.
I am a DIY builder too. While I agree that DIY is a cheaper option, do not forget to include the cost of Streacom or HDPLEX casings (HDPLEX more expensive), external LPSU, cabling, and special tools to crimp Molex connectors used by motherboard, SSDs, LP4 connector in USB card, plus ATX power supply tester to ensure we don't blow motherboard when first time powering up.