We had a little chat on this topic at Tim's Lincoln show.
To be honest I am amazwd at the low cost of many highly detailed models. I've never been a rivet/porthole counter and with my own efforts on scratchbuilding and painting I'm impressed with the quality of commercially produced items. My major problem is space and financial resources limiting acquisition. But I appreciate the efforts of all manufacturers and dealers in pre-owned models.
My own view is that for low volume high detail the medium/long term is 3D printing which can only improve in both software and hardware. But even then many hours sitting at a computer terminal per model is needed for an accurate and detailed model, not to mention printing several prototypes. Having worked for 50 years in manufacturing and IT I can't think of a better aversion therapy to creating and debugging software for 3D printing.
During lockdown when we were in France which had a much more restrictive version I did some scratbuilding of ships I couldn't obtain commercially (eBay these days). Two, I'll try and add images, took at least two man weeks each. Even then you can tell they aremade by an amateur.
I think as you get older you sometimes forget that the things you liked in your younger days, mid 1950s to mid 1970s for me, are not of great interest to your grandchildren. Getting them off computers involves things that are not initially interesting to me. As a result I've now got several container ships, fully loaded with triang container bocks, and USN aircraft carriers - thanks to Top Gun. Those airwings are a task and a half. I haven't moved onto modern ferries yet but possibly when foriegn holidays start in earnest again. At this stage granddaughters seem more interested in the building and painting than grandsons.
Scratcbuilt Derbyshire and Leicestershire warts and all