As a guy, I agree with your points. And I'm also a firm believer in waiting till you're at least relatively stable and perhaps one step away from your dreams before settling down or having kids. It's also always better to be in a decent space where you can easily pull top-notch women with all the qualities you desire in a woman, than when you're struggling and would probably have to settle for less due to how materialistic the society is today.
However, I do get her point because there are still top-notch women out there who would take you as you're even in dirt and love you for who you're and your potentials - not what you have. Women who can see a diamond in the dirt and are willing to build with you from the bottom, up. So I believe when you've that type of woman in your life - you just need to lock her down. Trust me, some women are unicorns in today's world and you wouldn't know their value until they leave you.
It's just like me: I've got a reputation for wasting good girls because my mentality has always been about 'me first' and getting to the apex of my career before sharing the most intricate parts of my life with a woman. But now that I believe I'm super-ready than ever to share my world with a wonderful woman, in courtship for a few years, before taking it to the next level - it's a tad difficult to find the type of good ones I used to get with ease in the past. I just don't connect on that level with them and there's always either a red flag, they're doing too much, or they're just in it for something I don't rate. Now I'm starting to look like a gyalist (player) again to most people, despite all the maturation/growth and changes I've made in the past few years because I keep changing women. And that isn't the real motive - I just want one good/decent one that ticks certain boxes and I can be proud of. It's hard out here on these streets.
Both POVs are valid. She's a traditional woman who views things from the purview of a different generation due to how she was raised. You're a realist who understands what's attainable in the current clime as a man. I can't fault none of the two perspectives.