The X-E3 is a good camera and the fact that it's an interchangeable lens camera makes it a better choice for most people (in my opinion).
Because it has a fixed, (35mm equivalent) prime lens the X100F is considered a "niche" camera and isn't the right choice for everyone.
However, there are reasons the X100F is a more expensive camera than the X-E3 and the 23mm lens combination.
The X100F has the hybrid viewfinder, built-in ND filter, leaf shutter and a digital conversion feature that gives a person what amounts to 3 focal length options (35, 50, and 75mm).
I love everything about the X100F and think it's one of the best cameras a photographer can own but it's absolutely not the best camera for everyone and because it is limited by its single focal length lens, I don't think it would be perfect for someone as an only camera.
Naturally, that's just my opinion and many people are happy with it as their only camera.
Everyone is different.