Not so sure about lesser endowment, facilities or luxuries. After all, one of the acronyms for “the” top schools includes only five schools. According to BSR, there are but 2 schools with >$1B and four with >$500M in endowment. So, one of “the” top schools has hundreds of millions less in endowment than the rest.
If you move the cut-off to $300M, there are 11 total schools. Above the $200M level, you will find 17 or so schools & 30+ schools that have endowments >$100M. Those cut-offs even leave off some schools that are discussed on here all the time, e.g., Blair, Emma Willard. At any of those levels, you are going to have a hard time seeing a drop-off in resources.