Most motherboards I’ve seen come in two versions: one with WiFi and Bluetooth, and one that doesn’t have wireless but is a few dollars cheaper.
I don’t think it makes sense to cheap out on the motherboard only to spend twice the difference on a USB adapter. I only have a dongle because Bluetooth motherboards weren’t quite so ubiquitous when I bought my current machine.
For prebuilts, the cheapest office PCs seem to come with Bluetooth now. Maybe there’s some kind of ultra barebones office PC stock out there, but I think you need to go out of your way to get those.
What I think matters is how terrible the consumer GPU market has become in the past five years. Decent GPU tiers doubles or tripled in price. Many gamers are probably rocking older hardware than they would’ve if it weren’t for cryptocurrency and AI eating up the consumer GPU market.