If you bought monitors + subs, the Knight would tell you, "You have chosen wisely".
I own Salon2, B&W 802D2, Orion3, Phil3, and I also think that monitors + subs is the more prudent & practical route.
But it's a hobby. People don't necessarily buy speakers and amps for prudent and practical. There are other factors like aesthetic, pride of ownership, bragging rights.
It's like owning a Range Rover, BMW, Mercedes, Audi, Lexus, etc., instead of a Toyota.
Some of us truly believe that Monitors + Subs is better. But some people wholeheartedly believe that towers sound better than monitors + subs.
There's no wrong way to play.
If you were a billionaire, would you rather have five Salon2 or TAD R1 or KEF Muon plus Subs, or would you rather have five Monitors + Subs? And even then, billionaires would disagree.