People who have brilliant/reserve how do you justify it?

Hello I have been on the credit card game for about a couple years now and I am curious how people justify the high price co-branded cards?

For example

The bonvoy brilliant card at $650 a year gets you the same redemption value as the bonvoy boundless which is only $95. I know it has a better redemption free night value and a $300 dollar dining credit but what am I missing vs owning the platinum and gold for flights and dining? Is it for people who stay at Marriott a lot and the platinum value can offset the upfront fee?

Same general questions for the delta reserve card?

Earning 3x miles on flights is less than the plat 5x on flights?

Are these cards just a status and perks play for brand loyal customers or can it still be finically smart to a credit card points maximizer?