Thom Hogan is also lukewarm on the 65/2 Apo.
I've run the lenses against each other on complex subjects so often I don't even include the 65 in the tests any longer, and the 50/2 wipes the floor with it. You have to be damned near F/8 on the 65 Apo to get even, no dead-spot performance across the frame when the 50/2 can do that at F/4, as can the 35/2 Apo. It's honestly not a close race there.
Perhaps on a closer centrally based subject one might like the central zone of the 65/2, but I'm interested in excellent across field performance at apertures that are clearly out of the zone of diffraction. And that's where the other two are markedly superior to it.
I no longer look at anything Dustin does - IMO he used to be fairly good, not as thorough as I would have liked, but to me it seems he sold out to promoting lower brand lenses just to get income for his channel. But the point still remains - if you like his work, you have to listen to him of course. I would also say that a) he doesn't shoot Nikon much or at all, and b) do his scenarios in his testing *align* with what you (not me or the other guy) value - in my cases, I find it does not, so his value as a reviewer is diminished - while of course someone who does shoot what he does (or value what he does, attribute wise), might find that it does. That might explain the difference in our thoughts on the 65/2.
As far as the gear train goes, yea, I'm with you. There is a point where one is just buying to experience the latest, when the magnitude of improvement just isn't there. It was one thing with things like the 25/1.4 Milvus - still the best central aperture (but not wide aperture range) lens in it's class from anyone, where nothing really came close back then (the 24/1.8S is closer than it has any right to, but it's different), and the 40/1.4 Art kind of smoked all of our other choices, but really what would Zeiss bring to the table that is notably superior to, say, the 85/1.2S or the Plena? That's a really difficult ask. Just different (but not "better" most likely) rendering. And at some point, with the ways things are going, being a bit more prudent with the cash is a good thing for sure.
That being said, given how much I like 85, in 2026, I might look at the Zeiss. Budget got blown with the 35/1.2S recently LOL