I find the situation to be identical.
To set up a table saw (generic multi-function tool) to do what a tenoner does requires quite a bit of ingenuity. It's going to be a trip to the machine shop anyway because you'll need a shaper extension (or a standalone shaper / router table) to cut the coped ends of the muntins and rails. I spent as much on a router table extension for my table saw as I spent on the saw itself (the saw was a Powermatic model 66 from the 1970s, bought used).
Cutting the grooves (rabbets) where the glass in a wooden window or door rests is not only rather dangerous (you have to use a stacked up "dado" blade which is rather rough in terms of operation, and your fingers have to be close to it), but not trivial to set up for. You have to do the muntin ends with the boards standing on end, which requires a tenon jig for the table saw. These [1] videos [2] present a pretty good picture of how silly this all is for the muntins (the 'bars' in a window) and this one [3] is how you have to use a table saw to cut the glass recess in the rails / stiles.
In the case of the tenoning jig, if you search for one, you'll find a plethora of videos and guides from people claiming to have made one on their own out of scrap lumber, plywood, particle board, etc. They're really javascript frameworks manifest into mechanical devices when you watch them. There's no concern in any of these people's faces for the lack of rigidity, unstable nature of the materials they're using to build the thing, or infinitely small likelihood of longevity for the tool they've built. The only concern is making a blog post or youtube video that gets some clicks, just like youtube "coding channels," lol.
Making windows and doors that fit together properly, from experience, needs repeatable accuracy in your cutting machines of about 5 thousandths of an inch. How do people think they can do that with plastic / plywood / particle board jigs they home-built for multi-purpose machines? It's insanity, especially when a very simple purpose-built machine from the 1960s / 1970s can do what they're spending hours on in about 10 seconds, with perfectly repeatable precision.
Eventually all of this becomes a philosophical discussion, of course. My suggestion in the post above that people educate themselves about architecture and art to improve their own houses denotes doing that in their spare time. As in, not spending their spare time as a consultant or contract developer to make more money and just throw money at the problem and hope for a better outcome. Required in the undertaking is the acceptance that money will not buy everything they want. A dangerous consideration, indeed.
The whole world was built with a post-ww2 American economic model, in which factories get expensive purpose-built machines and hobbyists get poor multi-function machines that prevent them from competing with factories. Everyone can take whatever middle-man place they prefer if they make a living in this market, and prices can always go up because demand will always go up too, right? Except when (insert cog in the machine) doesn't, then it all breaks down and starts to consume itself for the last few quarters of bonuses, and the finale is the "Goldman Sachs special" when a finance firm loads a company like Powermatic with debt that they fully intend to default on: the mob-style bust-out.
1. https://youtu.be/jb-KpTfgwQo
2. https://youtu.be/xlg4pgiflTA
3. https://youtu.be/5iFAm1d-rhQ