If you're going to pay 700 dollars more just for that have fun. I actually don't care about a stock launcher. Customisation is all what matters . Also if you're scared of the software, it's Android you can use any rom you want to have.
I can pay $250-$300 USD for the Moto X4. I can get the Pixel OG for $320 w/ 128gb right now if I wanted.
I wouldn't pay $700 for a phone right now. Look, customization is great. But at the same time, some of the lesser mainstream brands (BLU, OnePlus, Huawei) have me looking the other way. I don't want to deal with spyware, poorly supported software, and stuff that doesn't have a good UI.
I rather work with something good out of the box, thus the X4 or other Pure Android devices will do well for me. At least Samsung has features to offset a slower update cycle.