This is true, but to a point. IMO, there are definitely price bracket jumps that give you more for your $. Much like mics and how there are both quantitative and qualitative differences as you move up the price ranges.
I do also think it’s worth trying monitors in person, if only to get a sense of preference in terms of what you like. For example: I was very nearly convinced into buying genelecs. Really beautiful monitors, on paper, nothing wrong with them. To me, in the showroom I was in, I really found them to be dull / muddy as compared to Adams, Hedds, and Focals. Similarly, I found that the ribbon / x-art thing on Adams and Hedd’s was really far too bright and exciting for my liking, and ultimately settled on a pair of Focal Shapes.
Everyone’s ear is shaped differently, and different monitors are going to cater to it differently, which will inevitably shape your perspective on the music you’re making and listening to. Of course, your ears can get used to things, and generally speaking you’re going to be pretty well taken care of above a certain price no matter what, but why not try to make the most of it if you can?