Steak isn't overrated, until you feel you're paying too much for it. And that's a different price point for each individual. I'll go out for a $30-40 steak maybe once or twice a year, but I also get a lot more personal satisfaction making a "cheap" steak on the grill or firepit.
For the record, I enjoy going to an expensive restaurant with my wife 2-3 times a year; it's something we couldn't really afford a decade or two ago, and it checks all the boxes of "takes reservations", "great for friends and couples", "can hear normal conversation", "devoid of TVs", "has a piano player in lieu of a radio", and "popular enough to stay in business". But since we've been together for over two decades, we're also happy enough occasionally sneaking away to Milo's Hamburgers for moments that don't revolve around greeting cards.