Perhaps a balance should be sought.
If there is a piece of equipment that you require, or allows you, to even capture one handsome image, it will be worth what ever you "had" to pay for it.
Anything that allows you to work better, more economically (time wise), or helps you overcome some limitation, has significant value.
What you are willing to pay is often ephemeral, and cash might be the cheapest investment you make, relative to travel, looking to see, artistic development, display, and that which you cannot buy, such as time and the physical ability to work.
If you need it, and it is your passion, you will find a way to get it. It may take patience, you may get only a slight reduction, perhaps the VAT, or purchase it used, but if it serves your needs, by all means buy it. The value relative to the purchase price should be difficult to quantify if your goal is to make good images.
It is best if you forget what you pay in the usefulness of the kit, and then it becomes of value.
And, for those sweet deals you stumble across from time to time, perhaps if you are keeping score, it helps even it out for the bean counters. How many points did I "earn" when a friend at a shop shipped me a scratched body M2 with a cloudy 35mm lens that turned out to have been a rebuilt body with an M4 set of frames. Cleaned up, the lens sale paid for it all. OK, the meter never worked.
Are you a bean counter or photographer?
I have a friend who just thinks any camera over $50, or free, as in the case of the Casio he uses that was lost and never claimed that he has used for years, is a waste. He even was shooting at low resolution to save on SD cards.
A different world. When he asks what I paid for any camera, I simply say $10,000, just to hear what he says, because any answer I give is irrelevant.
Unfortunately, the most expensive camera does not a serious photographer make, however, it is a shame if your kit limits you.
And, if you can help new talent with some advise and equipment, it is not a bad way to invest, we all see the altruistic side, and will you put a price on that as well?
Shopping for equipment in terms of some fantasy is just not a serious part of the process, though it may be fun in and of itself, just don't take it too seriously.
Regards, John