I was nodding along with your post until you brought out your numbers (I agree fully with the broader point). For me, any car above 15k or so is very expensive - I've always bought used and drove them into the ground. I'd love an electric car but it's not in the cards for my family until the total cost of ownership gets down to 2-3k a year or so.

This is something I've always found fascinating about materialism (I can only speak to the US). The messaging and feelings are incredibly similar whether your budget is 10k or 100k. Very easy to slide up the scale slowly and feel like you're still living small with a bulging budget, or to choose options that are beyond your means and so stunt financial growth.