Given the reward in health and fun it's oh so worthwhile. Spend anything from R5000 to R200 000 and it's still more justifiable than an extra big car or house.
Health is the new wealth - this is swagger that pays. Aluminium offers excellent value, steel is retro cool and carbon has revolutionised bike building. Aero, comfort, weight, fit, speed, strength and longevity and brand resonance are all trade offs to consider.
What did you settle for what and why are you glad or regretting that you did?