With a "starter CPU" that doesn't support virtualization, so realistically you're paying another $375 for a CPU upgrade. Still quite a bit closer to a useful price point, though. Thanks for the link!
You state this as if I didn't so I'm confused by that :S. Regardless it is possible to do a full build for under $2k, especially if you have any resuable parts like case/psu/nvme.
You mentioned the base CPU not having HW speculative execution mitigations (which I also would consider worth a CPU upgrade to get), but not having virtualization is a much bigger limitation, in my view, and you didn't mention that, so I did.
Which config are you talking about?