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With newer M.2 drives like the 970 EVO or Sabrent Rocket Apple has no valid excuse for charging so damn much for storage...Can you show any other major manufacturer that includes a competitive internal drive for significantly less? Because otherwise you're comparing very different things. Dell also upcharges $300 for a 1TB NVMe SSD.
"If I buy it separately and install it myself" isn't a valid market comparison. If you want to do that, then do it.