I’m agreeing with your premise. Establishing monetary metrics can get us "workable" results. Investing attention (time?) will get us better sonic results, for less money. The DYI reference was merely an example of time spent vs money spent to achieve a better outcome. Yes, there are other examples. But I’ve found, for example, a lot of music can come out of inexpensive and/or vintage drivers if you get things out of the way that make them sound worse.
I’m in the same camp with you on the "acoustics first" approach. Sometimes you have to work with what you have in front of you. We are involved in service and performance mods and bring up the subject of acoustics in every encounter. I think an element of the pushback is an unwillingness to change the decor in the room. Some of it is that acoustical panels are boring. They just hang on the wall and look at you. Not nearly as engaging as new gear, or "hot rodded" old gear.
I mentioned upgrading the cabling in my wife’s vehicle. I tried covering all that reflective glass with sound absorbent material. The back up camera worked well when traveling in reverse, but when moving forward the panels were a bit of an issue. So, if was on to "Plan B" -- upgrade the cabling.