Great point, Charlie, I absolutely agree. I would eschew a modular solution simply because I want to derive enjoyment from a quality piece of equipment long-term.

Moreover, it opens a big can of worms in terms of the card lifecycles. Obviously the manufacturer won't support cards ad infinitum, just like with PCs, and the firmware updates for subsequent card upgrades will eventually be incompatible with older cards you may still have. I'd rather upgrade because I decide to, not because I have no other choice.