I suppose I can probably afford most anything I want these daze, but I have this Scotch/irish/German upbginging that injects a funny pragmatism into my shopping habits. I grew up with the notion that I don't make enough money to buy cheap stuff, so whatever I buy, it's gotta be good, it's gotta last and I gotta take care of it. So far, so good.
I have about a dozen handguns, and the main reason I don't buy more is that I don't shoot the ones I have enough, I just can't feature a fine weapon sitting in the safe unused, as I get no joy from having stuff just for the sake of 'having'. I shop hard for what I've got (e.g. Beretta 8045 for $469, H&K USP45C stainless for $589), but I guess I lack a real 'collector gene'. However,
The most expensive gun I own and the closest thing I have to a range queen is a Kimber Custom Royale (polished blue flats, rosewood grips)for which I paid $749, then added a Brazos Lightning Rod fiber optic front sight, an MMC adjustable rear sight and about $300 worth of 'smithing to fit the sights, etc. It makes me look good (shoots a ragged hole) and I get great joy from shooting it. The rest of my guns work as carry pieces or HD guns.
I really like the next step up stuff, like Baer, Wilson, or Heine, or dumping some bucks into a Robar Sig, but I figure until I can shoot my stock stuff expertly, why bother. I do lust, however for a Carter Custom 1911 Commander in .357 Sig built on a Caspian titanium frame with stainess slide and appropriate hand fitted internals, but I haven't been able to loosenup enough yet.