My point is that this is not really a good way to make financial decisions. If you've bought a house and plan to stay, spending up front to save over a decade is something to work at. Consider the rule of 72. Something that pays back in 10 years is yielding a roughly 7% return. That's a great return. As I said, I'm right there with ya on waiting until it makes good financial sense to make such purchases, I just think it is also a good idea to do some analysis to figure out what that means (and if the purchase makes sense, who cares what it means to the company selling).
My point is that this is not really a good way to make financial decisions. If you've bought a house and plan to stay, spending up front to save over a decade is something to work at. Consider the rule of 72. Something that pays back in 10 years is yielding a roughly 7% return. That's a great return. As I said, I'm right there with ya on waiting until it makes good financial sense to make such purchases, I just think it is also a good idea to do some analysis to figure out what that means (and if the purchase makes sense, who cares what it means to the company selling).