100% and very very well said.
I don't smoke, drink, gamble, and love photography, like many it has been the only hobby I have ever had and I am in a fortunate position through inheritance to be able to afford my gear and also earn with it.
However, in reality, and here again I will annoy some who miss read my intentions, IS what you gain from the extra £++++ really worth it to everyone, all of the time ?.
As for cost benefit, it depends on what you buy, the standard 80-400 is a good lens, the NANO version is astounding quality wise
YOU are 100% correct in your reply.