It is still night and day better. The Intel stock cooler is a crappy extruded aluminum part. The Wraith Prism that comes with the 3700X is actually a proper heatsink with heatpipes and high density fin stacks that allow for reasonably efficient cooling (if loud). The performance will be similar to a cheap tower heatsink (e.g. Coolermaster Hyper 212) though a 120mm fan like those used on those heatsinks will be much quieter.

Presumably most people don't build their own desktop computers (think offices and alike) and those usually use the stock coolers that come with the CPU. At least in my experience.

Most people.

I do. I don't overclock my rigs, and the stock fan suits me just fine. I rarely have temperatures above 70C.

People who don’t buy $300+ CPUs ( which is most people ).

Not because they are normies who don’t know better but because they are smart enough to not double their CPU cost with a fancy fan when the stock one works fine. ( at least with AMD )