Now those are words to live by!
Before buying something, I try to ask myself: how does (that smooooth [and expensive] reel, expensive bait, excessive baits, etc.) put more fish in the boat (or on the bank). If the answer is that it doesn't, I can usually break the bond of the bait monkey. If you don't ask that question, or if you ask the question but ignore the answer, then you are a confirmed tackle junkie ! And that's OK.... ;D
Oh but Goose that's where the bait monkey starts whispering "how do you know it want catch you more fish unless you buy it and try it ?" and thats what gets me everytime