I'm in a similar position. Trying to decide between package or bare bow and add components. Although I think I'm buying a bare bow and getting the shop to make it a package with the components I want, I think there are some pretty decent Ready to Hunt packages out there for 499 and 599.
The downside of a package for ME was some components I wouldn't purchase if I were adding it to a bare bow. I don't like composite sights because on my kids' bows, the housing moves depending on the torque of the screws. It doesn't bother them, but it bothers me. I also don't like tube style peep sights, which many package bows come with. They move on the string too easily.
On the flip side, I don't think I need a $100+ stablizer since I'm restarting archery after 25 years, so any stabilizer will work for now (or not use one). As for the quiver, it needs to hold arrows until I take it off in the stand. There are better ones (lighter, more flush mounted, integrated LED lights, smells like roses) in the market than the ones that come in a package, but it's an arrow holder and I don't think that's going to make or break it for me, yet.
They almost all come with an inexpensive whisker biscuit style rest. Many folks shun those but they've worked for years and years and many hunters still use them because they capture the arrow better than drop away rests. I'm ordering a drop away rest with my package because of the discount I get by making it part of the package. I'll shoot it, but have no hesitation around putting a whisker biscuit back on if I don't like the drop away.
I think a lot of packages you are pretty much paying for the bow and the components are essentially coming free with the bow. I would guess the manufacturer has less than $25 in costs of the components.