> As a casual rider you'll be the bottleneck for years before your gear matters even the slightest
For absolute performance, maybe, but for enjoyment of riding the gear definitely matters. For a beginner it's important that the ride is enjoyable so they don't get discouraged and call it quits.
For relative performance against yourself, and in all honesty that's most of us really get out of it in the end, it's good to see times drop and speed increase just because you bought a better bike.
For me it was the other way around, I moved from a very aero cheap fixed gear to a boxy (but with a plentiful cassette) midlevel gravel bike. I was expecting that the gears I had extra would make me have faster times, however the fat tires and less aero profile makes me about half a minute slower for a 6km round. The power I'm pushing however, has increased, maybe because I can keep it more uniform by shifting to lower gears when I get into windier sections. Shrug.
All I want to say is that good gear is beneficial, maybe not for performance, but definitely for enjoyment of a ride. And at the beginning that's pretty important for someone to build a habit out of riding.