Have you been to Lenovo's or HP's homepage and seen what they charge for their high end ZBooks and P series laptops with those specs? No one is saying that you cannot get a Windows laptop with similar specs for cheaper if you buy from a cheaper brand and upgrade it yourself. But if you want a top of the line high end Windows laptop from someone like Lenovo or HP with matching specs then those companies charge basically the same as Apple.

Yeah I have. Lenovo has a really high list price but it has a secret store and a lot of sales.

Anyways that's the beauty of PCs, you don't have to pay the exorbitant prices or the OEM if you don't want to, a Lenovo P15 will allow you to swap the RAM and SSD however you want and it takes 5 minutes and like 9 screws.