The FT runs a magazine called "How To Spend It" with ideas for what cheeky stylish thing to buy this month after you already spent it on what you want to. That this is apparently a lucrative business possibly tells you that you can max out your quality of life and still have money leftover.

https://www.ft.com/htsi

It's not small, it's zero or even negative. If you already have everything you want, buying more is just extra crap you have to deal with.

Many people with money like this flip; preserving capital and reducing risk becomes the destination, not the journey.

It’s the way humans are wired, and there’s a whole industry of lawyers, accountants and others to support it.

Really depends, I can see a lot of quality of life on leaving family set for the next few centuries. And a lot of headache on managing the next personal island.