I tend to view audio in tiers. And the level of tier you can top out at is defined by both your budget and your room. The room defines what kind of system is applicable, as certain speakers need a specific volume to operate in, and a certain size to see a maximization of their abilities. The typical example of this is a large speaker in a small room. But small speakers tend to struggle with output levels in too large a room, and bipolar or dipolar speakers have specific requirements for location to reflective boundaries. Room considerations define speakers, and too an extent define what is reasonable to spend.
Then there comes budget. Money is a dirty word on this site, but is a hard boundary that limits how far we can go in this hobby. Yes it even effects DIYers and vintage hounds, but the equations are different. Money dictates at what level of audio you are able to reach, and that next tier above you can be way out of reach as you get higher and higher into the levels of this hobby. I personally have gotten to the highest tier I can afford, and spending money to get the last 5% of what is available in terms of sound quality is not cheap, but it is doable. Yet there are several tiers past where I am, and to be a participant at that level means I would have to sell off this system and toss a whole bunch more money at the next one, and then work at optimizing it.
That is the harsh reality, there is always better out there than the common pig can afford. There are people with greater resources out there who can and do buy it, and enjoy it. I am happy where I am, and enjoy music every day on my system. What I have spent is a drop in the bucket to certain circles in this hobby, and to others its crazy money. There is no right or wrong, and you only have to justify the cost, your level of involvement, your equipment choices, and even the size of your audio hoard to yourself...and those whose life your choices directly effect. Certainly not us on AK, or others in this hobby.
Regards
Mister Pig