Every time I go up a long uphill grade and don't have to listen to 5500 RPM's screaming at me, I feel like it's worth every penny to me. My accountant would disagree. But isn't life in a free country about making choices that are good for you? There are hundreds of things I've paid more for in life because it suited me better than something less expensive that would have done the job at a cheaper cost. So decide if the benefits are worth it to you and make a choice your happy with. After working hard for 30 years and recently retiring, It's time to do what I WANT now, not what someone tells me I should do ;-)