I bet the average hobbyist has such a low threshold on the price they’re willing to pay for avoiding a certain effort / risk that comes with hacking, that it really wouldn’t pay off to make the options that cheap.
Well yes, at the current difficulty and risk--at least as of the date I bought mine--the price would have to be pretty low. But the prices now are such that unless there are deals given--which I assume happens--even a mid-sized corporation might just buy the base product and let their people figure it out.
I just think Siglent have learnt from the "big boys". Offer upgrades and options at ridiculously high list-prices and then make your customers feel good by granting a "huge discount", which includes giving them some software options for free.
Professional enterprises (not the one-man-shows and small businesses, who often act not very different from the amateurs) usually know their requirements when they acquire equipment for a certain department / task. Once the decision has been made, that 200 MHz bandwidth is plenty (and even 100 MHz will actually do), they will not order 350 MHz. When they know, that they will only ever deal with the CAN busprotocol, they might order the CAN-FD decoder option but nothing else.
Hobbyists on the other hand (as well as backyard repair shops or small engineering offices) often lack clear requirements. There "the more the merrier" rule applies. They want all they can get, but can't neither justify nor afford to pay for it. That's where tinkering and hacking might come into play...
Manufacturers usually don't mind. They make sure that they won't make a loss even with their cheapest offering.