I'm not, you are only stating what I said, ie every person has different needs, price wise both Intel and AMD have cheaper solutions, as I stated in my case the AM5 platform with DDR5 is the better option for me, I've already stated my reasons. Remember I' going from Intel to AMD so like you I choose the best option for my needs regardless of brand.
I should say I'm a gamer period so no need for office or other usage needs
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Remember Z690 board you have not got much of an upgrade path, so you will end up buying another board down the road, AM5 with DDR5 for me feels like a better alternative with better cpu support, so I save my money that way ie not needing a motherboard upgrade for quite awhile . (I'm sure you can see my logic there).
So to recap for the last time what is right for you on a budget does not mean it's right for somebody else, plenty of users out there would find a reason not to go Intel and you have to respect their decision and vice versa.