In simplest terms:
Those who can TRULY afford it whether personal or work budget will say it's a hit.
Those who like the Mac ecosystem, but can't financially support the purchase will say it's a miss.
Of course the underlying factors whether this will be a long-term hit is the future support and expandability.
There can be a lot of "why didn't they..." fill in the blanks (i.e. PCIe 4.0, AMD, etc). But the fact of the matter is whether the current specifications is a hit for your needs. If it wasn't and you still bought it - that's on you. If you bought it based on the specifications and it didn't perform the way it should then that's a miss.
In my case, I am aware of the specs and accepted it for what it is. I have no problem with it to date.
My issues are due to the software I'm using which is Adobe CC and a big miss in terms of their archaic software code.
And if Apple drops support in terms of expansion, peripherals and further updates to make this last longer - then that will be a miss.
So time will tell for me. Which is why I'm not sure.