Of course, one of my new hobbies, since making the voyage out here, has been to practice the wonderfully fun and interesting "make vs buy" comparison game. You can, and probably will have many opportunities to play this game as a startup founder. This game involves simply asking yourself and/or your team numerous questions of a basic logistical nature:

A) How much does X cost to make, if I get to (or have to, depending on the day) make it myself? B) How much does X cost to buy? C) What are the costs, inclusive of shipping/assembly, for scenarios A and B? D) Do I have anything that can be improvised or are there any possible substitutes that can serve the ultimate purpose of X (i.e. using a door as a desk) in the mean-time? E) How long can I "live" with the improvised substitute or the idea of an improvised substitute? F) How much of the actual value of X is imagined; that is, how much have my perceptions been influenced by hype or advertising?

Questions E and F can get complicated, as they relate quite a bit back to the original posit about "necessities" and such. Probably I'm too tired to go into them at the moment, so perhaps in the morning.

I therefore recommend being pretty weary of anything involving hidden "lock-in" costs resultant from usurping alternatives; for example, anything involving a contract probably fits into this category.

Regarding brand loyalty. . . remember that there's a big difference between purchasing actual quality and purchasing advertised "quality." When factoring in costs associated with advertising, the make vs. buy comparison game really can take a person full circle.

I can't stand working at a desk without a proper keyboard tray and mouse pad.

In many ways having a comfortable working environment is very important. But comfortable != luxurious. Keep it cheap, just not so cheap that you can't get work done because it's not comfortable.