Well yes, but "if" you want a Maserati you're also stuck with a very expensive choice, when a Ford or a Nissan will work just as well for the vast majority of people.
This isn't like "I prefer macOS to Windows". If you're not taking advantage of the "Reference class" attributes of the Apple display, you're literally paying more money for a logo, and the way it looks. And that is a choice you can make, but no one is "more productive" because the display has an Apple logo rather than "Dell" or what have you.
Well, they're wrong. Don't assume what others say elsewhere, applies at all to what people say here.
Right, but using multiple displays has been a pretty common thing for tech workers for at least the last two decades. As was pointed out multiple times - you can literally have 3, 27" 5K displays for less money than this single 6K display. Or you could get a heap of 24" 4K displays, or whatever. My point remains: for "high PPI to allow 'retina' mode rendering" there are a whole range of displays available.
... The entire thread is specifically about "coding related work". If you want to use it to also render 4K HDR videos of flamingos doing the cha-cha, that's clearly a different task, and thus the requirements, and what might be considered 'appropriate' or 'overkill' will change.
To re-apply the limousine analogy: the thread is about a trip to the milk bar on the corner, and you're suggesting "well maybe the limo makes sense because I also want to go to the opening of Le Miserable after".