The Gripen is a fantastic jet, but you're basically describing the difference between a fourth and fifth generation platform. When Saab and Embraer roll out their own fifth-generation jets, they will also have to contend with expensive RAM coating and complex internal hardpoints.

Putting aside the export market, it's a small miracle that the F-35 turned out as well as it did. Having a mostly-common fighter airframe shared between the Navy, Marines and Air Force was a pipe dream in the 90s. America is lucky the program didn't collapse entirely.