All the electronic components are surface mounted to the PCB but that doesn't make it a finished product.

They've made the PCB about as nice-looking as one can but most people still wouldn't want it that way; the raw buttons on the front in particular are not a good look or feel. There's no stand and the only mounting solution provided is a hole in the board. Power appears to be through the Pico's USB port on the side.

The expectation is that anyone looking at Pimoroni products will probably just 3D-print (or produce in some other way) a case. They're not trying to sell this as a finished product.

Sure, I was just elaborating on why "fully assembled" does not mean "finished product" to most people.