To some extent, this depends on what kind of component you're talking about. I agree with what you're saying about consumer vs workstation GPUs because the price disparity is so large, but consumer GPUs don't usually get the full RGB treatment anyways.
I think you're also overestimating how big the gaming desktop components market is, and underestimating how fragmented it is. For motherboards, the economies of scale apply to the OEM custom motherboards used by Dell, HP, etc., which have far more volume than any one consumer retail motherboard model. You're probably also vastly overestimating how many gaming-oriented motherboards make it past revision 1.0. I just checked Gigabyte's top gaming product line, and out of 75 models listed, all but 8 were revision 1.0. Browsing through a similar number of their most recent mainstream consumer motherboards didn't turn up any that went beyond rev 1.0.
Some gamer-oriented motherboards are over-specced for power delivery and cooling. It's definitely common to find VRM heatsinks that are oversized gaudy sculptures, but that doesn't help product reliability. There are also tons of examples of gamer-oriented boards that advertise a large number of VRM phases, but have obvious shortcomings in their power delivery design once the heatsinks are removed and an EE takes a close look at things. And then there's the motherboard at issue here. When gamer boards are overbuilt, it's not thorough, it's usually just the most visible aspects that get beefed up (and the price).
RAM is a really obvious area where paying a bit extra for workstation-class ECC DIMMs gets you a real reliability advantage, but paying extra for high-speed consumer modules with RGB LEDs and big heatsinks does not.
RGB LEDs are still thankfully pretty uncommon on SSDs, but the handful of examples show that the impact varies from compromised performance to catastrophic instability. Most gamer-oriented SSDs with no LEDs but with flashy heatsinks also fail to outperform or outlive the best pedestrian-looking models.
Enterprise and NAS hard drives are definitely diverging from mainstream consumer hard drives in more ways than simple firmware feature gating. Some of the technologies they're using to drive density beyond consumer HDD needs have a questionable impact on reliability, but filling them with helium does help reliability, and you don't find that on a WD Black or Seagate Barracuda.