You used a word in here that shoots straight into the crux of the issue: this person's approach is actually good in many ways (and I think financially is one of

You used a word in here that shoots straight into the crux of the issue: this person's approach is actually good in many ways (and I think financially is one of those ways), but it is a giant hassle. If you don't mind a lot of extra planning ahead and hassle, it seems like a good approach to life. But if that stresses you out, then it's an awful approach. I was thinking about what this person would consider the worst offender on this front in my lifestyle: early in the summer, we bought a teardrop camper trailer. I calculated how many nights of hotels it would take to even out the price, and it was a lot. But it also unlocked a bunch of trips this summer that we would have never taken without it. We could have rented a similar trailer for each of those trips, and we did look into that before we bought the trailer, but again, it was a hassle. In practice, we simply wouldn't have taken those trips. So a straight utilization comparison is not the right one.