I think it also matters if you can afford. Sometimes a twenty dollar T is more durable than an expensive one. These days the same brand and same stuff costs different in different stores. So you need to be a smart shopper. That means spending time and energy in researching.

Yet another thing..

If you are single you can think and implement strategically. But of you have a family and you are the bread winner, you will tend to make decisions based on particular situation and you should