I buy outright or not at all. Downside: I don't have nice things.
You're a wise person.
The junkyards full of people's dreams, rusting away.
I know it's cliché but "nice" things are all relative. I assumed Gregg Plitt was loaded, but all he had was $800 in the bank (I'm sure there's more assets) but he projected the life of a millionaire (not attacking/mocking him, he was very successful).
Possessions deteriorate. They're replaced with new ones. It's an endless cycle.
Very few things make our life substantially better.
As Jesus said, a man's life consists of more than the things he owns.