I really don't think anyone cares about your perspective because you aren't a potential buyer. You can't afford it, so to you it's a big deal and you need to analyze everything. To me it's less than I make in a month so who cares if I never get my money back. I already have property and investments and savings and retirement and everything else, so I'm just going to buy what I want, have my fun, and still sleep great at night.