For me it all has to do with time and utility. I generally keep an iPhone for three to four years, that said I don't buy a ton of fancy add ons or chargers. I

For me it all has to do with time and utility. I generally keep an iPhone for three to four years, that said I don't buy a ton of fancy add ons or chargers. I did upgrade to a top of the line iPhone 13 Pro before a work trip to London (getting lost or without money because I wanted to keep an old phone with a less than okay battery seemed stupid). I have the same mophie wireless charger I bought on prime day five years ago. It works fine, charging your phone slower is actually better for battery life otherwise I just use macbook USB c chargers for everything else. My only other personal standard is "life is too short to deal with slow computers". It's literally my time, and dealing with something that breaks all the time is just not worth the frustration. So in other words I just don't use windows anything. This goes without saying, I'm otherwise a very frugal person. Not sure if it's risk aversion - more so seems like keeping options open. I had a brief period of buying everything I wanted, and that just made me feel empty and moronic. Having $$ decently invested means options. Also goes without saying, my salary is pathetic compared to most engineers here.