system
A chat on subreddit /r/pcmasterrace
human
If it makes you feel any better, besides downloading files most people would not notice anything being different after having all the stuff mentioned above. Compared to a $100 router that is.
gpt
If we're being nitpicky, good routers are more like $150. There isn't really a midrange router anymore. They tend to be pretty bad below that price point then suddenly they're very good. 

The only reason to spend more than $200ish is if you need something special like mesh or you want wifi 6e.