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In the other more conventional builds this isn't really doing what you want

We'd obviously recommend against spending that much money on one monkey - but if you want to be competitive, you might have to

Finks is more playable as there are less good three drops than five drops that you want in most cubes

If it's a static ability, that ability now functions

You can either build around a legendary creature and try to find cards that will complement this creatures abilities (referred as top-down building) or you can build around a mechanic/theme or combination of both that you find interesting and search for a Commander that will best fit to lead the deck (referred as bottom-up building)

Most players interested in deck-building approach the task using trial-and-error, but it is time-consuming