I for one hated gambling on overclocks that could brick my expensive hardware. I’m glad the equipment being sold today comes at max performance out of the box and that the reputable company making it will support it.
Regarding the max-performance-out-of-the-box, unfortunately you're mistaken. Part of the reason people could often get insane overclocks out of their hardware was that AMD and Intel would periodically produce a higher than expected number of processors that could handle a greater clock speeds. And rather than cutting prices on those parts they'd simply configure and sell them as a lower-spec'd part - so back in the day AXIA core Athlons may have been sold at 1GHz, but would often comfortably hit 1.33GHz and beyond[0]. This still happens to this day[1], nothing's different about that.
Whether you're comfortable going down this unsupported/warranty-breaking route is another story, but it's certainly not the case that all processors nowadays are sold at their peak possible performance out of the box.
Whether you're comfortable going down this unsupported/warranty-breaking route is another story, but it's certainly not the case that all processors nowadays are sold at their peak possible performance out of the box.
[0] = https://hexus.net/tech/reviews/cooling/186-axia-overclocking
[1] = https://www.anandtech.com/show/16857/overclocking-with-intel...