Seems a never ending conversation and that's not a bad thing - but things aren't and shouldn't always be about money. For me, the key point was very simple - I

Seems a never ending conversation and that's not a bad thing - but things aren't and shouldn't always be about money. For me, the key point was very simple - I wanted to own and do what I want with my place and I did. If it's more expensive - fine - but I get the pleasure of fixing stuff when I want, learn along the way and just enjoy a great place that meets my personal needs (small studio, garage gym, sauna...). Over the years - I'm sure the value of the work I did myself represents a solid number in every house I've been in (5 at this moment and moving to the 6th one in 2 months). Each and every time it's been a positive move and gave me the chance to see different places along the way and refine my way of living as I get older. But back to my main point - do what fits your lifestyle but for myself during the past decades - owning has been a struggle sometimes but in the end is just better for me.