New project floor premiums are just a money grab, right?

Okay I'll be honest — I'm really struggling to understand what builders are playing at with these 'floor rise premium' charges. Everyone glorifies new projects, but nobody talks about how much extra you shell out just for a higher floor, it's ridiculous. My kids have moved out, so I'm trying to find a manageable 2BHK, maybe ₹90L max. I saw some decent resale flats in Sector 24C, even if they're older, without these crazy premiums. Am I missing something, or is the secondary market in Chandigarh just smarter for end-users like me? Change my mind.