No you just countered with your own assumptions.
Bottom line.
A: Integrated memory Controller.
B: Off chip Memory controller (AKA Northrbridge) with cache to compensate.
You think B is Faster, I think A is faster. I am not going to waste my time arguing about it. But really I don't think everyone would have moved to IMC if it was slower.
AMD is not that cash strapped that they can't afford to build a desktop die. They are stealing significant desktop market share back from intel and hope to get more for this new generation.
We are talking about 1 die. Intel uses at least 4 dies on desktop (2 core, 4, core, 6 core, and now 8 core). Resurgent AMD can't even afford one?
AMD could also just do an 8 core APU this generation to cover the market, so all the mainstream AM4 desktop/laptop parts could cover the market with selective component disabling on just one die.
Lets stick a pin in this one and see who's correct later. I think chiplets for TR/Epyc and monolithic for Mainstream (AM4). Time will tell who got that right.