While this is technically true, in practice I’ve found there’s always something the old PC is missing, tech wise.
Socket change. Ram version change. New version of PCIe.
Effectively you need to do mobo/cpu/ram all together.
The only other components are GPU and storage, which I agree are generally transferable, but depending on age you may want to upgrade too.
I guess PSU but that is thankfully something you almost never need to upgrade, unless your new GPU sucks down a lot more watts.
Maybe if I had an AM5 board I would be in a better state, but currently on AM4 so my upgrade paths are limited (already on a 5000 series chip).
If you aren’t doing more you have a parity drive, not backups, to be clear.
If a drive fails you can resilver and your data is fine.
If someone with write/delete access makes a mistake and deletes everything, or ransomware encrypt all your files, you can’t just “restore from last week’s backup” because you don’t have one.