You don't want your CPU pegged when gaming in the first place... you'll likely stutter. RAM at 100%, also a problem. You know better than to use such poor examples.
But GPU does the same thing. If you're maxing it out, a more complex scene will cause fps to drop.
So by that logic, I should probably get a GPU with decent headroom, but that means it won't be used in 100% most of the time. Oh no!
And it was such a simple case in the beginning.
I said: I have $500 on CPU and GPU. I'm getting an i3 with 2060 and play at 80fps.
You said: no, no, no. i3 doesn't make justice to a 2060. You should buy a more expensive CPU! So I listened to you. I spend countless hours reading reviews, asking on forums for the perfect set. In the end I still got a 2060 with an i5. And I wasted too much on the PC, so I had to cancel the next city break.
So great, I play on Ultra instead of High. Or at 90fps instead of 80fps. That literally changed my life.
Does it really have to be so complicated? Why did I have to spend so much time and money on choosing a gaming PC instead of on the actual gaming?
None. Often these games can be hard on the PC and use modern features which require more CPU and GPU horsepower. Obviously this is not a rule.
It doesn't matter. These are the most popular games. They're played by all kind of users: those with HEDT, those with cheap laptops, with Xbox One S.
Earlier you basically suggested people buy expensive stuff to play AAA titles, when this is opposite to what really happens.
People who spend a lot on PC probably also game a lot. So they either spend more time on the same games everyone else plays or they go for more titles - which forces them to look beyond the most popular games.
Also, at some point you said people use PCs to game on ultra. I believe you meant desktops (maybe: expensive desktops). People on average absolutely aren't as attached to "ultra" as guys on this forum.
And seriously, they don't upgrade. They buy a PC, they use it for 3-5 years, they buy a new one. So they won't be able to go for the highest settings in most demanding games - sooner or later.