I think OP's line is hyperbole, and that you're both getting at the same thing in the end. Once you do remove your sources of baseline discomfort, material upgrades above that level don't move the needle much anymore.
For instance I now sit in a comfy chair at home, but when I fly somewhere I'm stuck being uncomfortable in economy.
And then there's the big one: I have to go to work, every day, whether I feel like it or not. Inconvenient!