> and at that time the prevailing wisdom was to never buy a pre-built
That's still the case, and always will be — with a pre-built you're at the very least paying for someone to assemble it for you, so it's always going to be more expensive as a baseline.
Beyond that, the chance they've chosen good components and haven't tried to screw you over on less flashy ones like the motherboard and power supply is low.
That's not to say it's literally impossible to ever find a good deal. You very well might have. Doesn't change anything though.
> with a pre-built you're at the very least paying for someone to assemble it for you, so it's always going to be more expensive as a baseline
Except isn't it possible that pre-built companies actually get better deals on hardware bought in bulk, and therefore could offset the labor costs with cheaper materials?