The resolution to this is incredibly simple!
First let's face some truths and realize the difference between a need and a want. I won't argue this here--google is your friend. I will say, with a few exceptional and extraordinary circumstances, none of us 'need' the top end GPU or CPU and none of us 'need' to upgrade on a yearly basis. The majority does so for epeen and will never stress their super build past 30 or 40% load,-- and that is being polite and generous.
Combine that with advancements with cloud storage, chip size and cooling the solution becomes obvious.
Stop building desktops, stop buying components at 450% over MSRP. Buy a laptop with a dedicated GPU. You may not have the biggest dick on the block to brag about but you will have a fully capable system, in which will also have extra, in most cases, slots to add more local storage and ram to beef it up. The bonus is you can do it cheaper than it would cost you for the highest end GPU for your desktop.
friend.