Processors will be outdated just as fast as AVRs.
Processors may fail just as fast as AVRs. This is the key.
My $7500 Denon AVP processor died after 8 years.
Another AH member’s $7500 Denon AVP also died.
Just because a processor costs $7500 does not guarantee that it will last longer than an AVR. This is key.
Other processors from Marantz, NAD, Anthem, Rotel, etc., have met their untimely deaths.
The cost of upgrading the processor alone will be higher than replacing the entire AVR.
So you may not be saving money by going separates.
But you might get more satisfaction by going separates, which nobody can argue with.
For example, the Yamaha RX-A3080 AVR may last just as long as the Yamaha CX-A5200 processor + MX-A5200 amp combo. Replacing the CX-A5200 processor ($2500) will cost a lot more than replacing the RX-A3080 AVR ($1600) - that’s almost $1,000 MSRP more.
But owning the CX-A5200 + MX-A5200 might give you more satisfaction.
So it’s probably not about saving money in the long run.
I think most people who are into separates will probably tell you they didn’t do it to SAVE money. They are either doing it for the sound or just satisfaction.