I think Paul for once have it the wrong way around.
If you become big enough and happen to have enough of a market you might need to .com name to optimize your numbers.
If you happen to find a good name you can afford that you still think represents you and is .com you should most probably change your name.
But for most people just like their logo it's it's not that important until you become big and you can become big without .com name. Whether you can stay big is another discussion.
Far too often we fool ourselves thinking the wrong things are important.
But just as you most probably can easily find another name because your current one isn't as great as you might think, you can probably also wait a little until it becomes an actual issue.