I think the term "endgame" setup is loosely thrown around quite a bit.
Endgame could mean when the player is satisfied with their toon.
Or it could mean 220/30/70, ql300 combined, all db1-3 loot, gauntlet pads, beast loot, tara loot, albratum, acdc, alpha symbs, LoX loot, and apfs. With a full pvm AND swappable pvp setup. There are not many toons that fit that endgame definition.