Part of my point was to provide what feels like a more typical example for this audience. The parent made an anecdotal reference to imply he is an average HN us

Part of my point was to provide what feels like a more typical example for this audience. The parent made an anecdotal reference to imply he is an average HN user, to which I made a counterpoint with my own anecdote asserting I'm closer to an average user in terms of housing cost. They're subjective but it's important to realize both scenarios and everything in between exist, and to acknowledge when you're only considering the extremities of that range.