Thanks, that does help. If you were talking about NPCs in the world, then sure I agree, they can do anything (leading armies, founding organizations etc) regardless of class, or such activities can be as restricted to a specific class or group of classes as the DM thinks makes sense for their world. So long as those activities are not being positioned as expected PC retirement plans, the DM can go nuts with it.
I still don't see how it's any more of a "headache" to stick a portal somewhere in your campaign when that subplot pops up and point at it, than it is to write said campaign from the beginning around someone in the party needing a specific class capable of learning and casting a specific 7th-level spell at the specific moment the campaign requires it, or else the whole thing screeches to a halt. The former seems a lot easier to me.
You don't need specific magic items to facilitate such a campaign either. Blessings exist in the DMG (pg 227), explicitly can mimic the properties of any wondrous item (e.g. Ring of Resistance from the very same book), and they last for as long as the bestowing deity or other entity wants them to. If, say, Silvanus or Lathander or Helm or whomever trusts the party of Fighters to go deal with this proposed Plane of Fire Invasion Thing - they can Bless them with Fire Resistance for as long as that portion of the campaign lasts, have a priest tell them how to get down there, and the rules describe how that might work. Then you can take it away from them when that plot arc is over.