Easy. Aftermarket, there's no stopping!
A factory Lux sounds excellent and likely better sounding than a $500 investment in aftermarket audio.
That's about what it would cost for the change, retail.
Why invest in a 4KW killer system if you don't need to shatter hospital windows?
The OEM Lux approach is easier IMO, than hanging a bunch of adapters on, unless you want that killer setup.
My Lux amp sounds great, but it sure wont compare to a high end system. Cost Vs. performance, how loud & clean do you want it?
Stock stuff isn't attractive to the crooks as some whiz-bang brand name performance unit. And you get stuck with a higher ins premium if you want retrofits covered.. Usually anyway.
The functionality of (some) adapters tend to be poor, sluggish, unresponsive, and/or quirky...
You spend half of the (equivalent to OEM) aftermarket upgrade trying to recover the factory functionality. - Then need a new alternator/battery system if you want to improve on that awesome thundering system that you tear up your truck to make it fit.
Some of us don't need or care for that level, flashy chrome and extra whiz-bangs of the one-size, fit's all aftermarket equipment. And some do. Be glad we have the choice.