I would say that making a similar argument just on the basis of amount spent is also silly.
Utd spent 190m trying to fix positions of desperate need i.e. defense and a creative player. The squad is still not complete with no proper RW, would argue the same for LW because Rashford isn't a proper one. We have no proper backups for our full backs. Only midfield looks solid.
Whereas for Chelsea, they have basically addressed every position. Striker, wingers, CBs, GK, LB. Your midfield is already good enough with Kovacic, Kante and Jorginho.
You need to see how complete your squad is compared to what Utd had after the end of last summer.