You and I sound like twins. I to didnt have tons of money growing up, I have worked hard ,never missed work. But never want overtime, that was for things I liked to do. I have bought very nice things and were afraid ,they would be damaged ,so I use middle of the road things.
Now I'm retired, very comfortable. But still dont waste money .
Point is if it's to good to use, I dont buy it anymore, I know my self, I use it and dont look back, I wanted a yeti cooler, so I bought one. Took it dove hunting in yuma,az and someone stole it out of the shell in the truck, so now I'm ticked and say to my self , if you had a Coleman it would still be there. People steal expensive things too.
Try to enjoy things ,
Tight lines