I'll give my 2 cents. My brother has a 65" OLED and a $2000 setup with a good-quality sound bar and 2 small subwoofers. These are run by his TV.
I have a 4K 7.1 system. Same TV model but a Marantz Pre-Pro with separate amps, speakers, and subwoofer. I would call my system the upper middle of the road.
Can I hear the difference? Yes, very easily.
Would I be happy with his system? Definitely not for movies, maybe for television
shows, but I doubt it.
After spending the money and listening to my system, have I ever wished I had done something cheaper? No.
Can my wife tell the difference? Yes
Is that a good thing? Yes, I would say mandatory.
It is just a matter of what you want in life and how much time you spend in front of your TV in a week.
Yu Da Boss!