For answering your question on if it's worth buying components seperately:

I'd say it probably depends on your use case situation and the regions you can buy components from.

Pricing out a FL16 for my use case of a workstation/gaming hybrid in Canada I would save approx a range of $400 - $200 CAD if I were to buy the storage (1` and 2nd) and RAM(DDR5 64Gb) seperately.

Again the pricing of components varies based on each person's wants and regional pricing (&sale prices)

for figuring the price differences/potential savings I'd recommend using a site like pcpartpicker.com and changing the region. From there you can figure out if it's worth buying the full bundle from Framework or buying individually