Reed wasn't a struggling dreamer. He was an uber genius with no money... something that happens in comics from time to time. I think you're confusing making characters 'earn' the fantastic elements with toning them down. Thor never becomes a God. Reed Richards soon gets money and an uber Baxter Building.
Regardless,
Powered Armor is years behind us, not away and an
Assembly Lines can be purchased for just a few million dollars. This is not fantastic, that's part of why it's so easy to buy, and why the fantastic part- the power source - couldn't be covered in a magazine cover montage.
In FF52, we buy Wakanda as part of the Marvel Universe, mostly because it fits. It's right in line, tone and tech wise, with the rest of the Marvel Universe at that time - where Africa was an unexplored unknown continent, easy to hide things in. A BP movie should be the same with the MCU. It should fit into the MCU, not into the X-Men franchise, not in the 70s Marvel comics. Buying Wakanda as a believable 70s comic book world means nothing for a film. Now, that said, I stand by the idea that if all the incredible things we see are the product of T'Challa as opposed to giving him an 'easy' switch at the beginning of the movie, it could still be cool. I would suggest having him only make things that related to the storyline, as opposed to just making inconsequential stuff for the sake of making Wakanda uber, which does nothing to make the movie better.