Because I save up the cash to indulge a want, it's really not a matter of being able to afford a purchase. Rather, it's a matter of finding the firearm for a price I find fair and reasonable. Paying what I perceive to be too much for a given firearm sours the experience.
I wanted a Hi Power Mark III, but couldn't bring myself to spend the street price for a new one. The "character" of surplus Hi-Powers didn't add any purchase justification. One lucky day, I was there as the LGS took in several firearms from an estate. One of them was a 2009 Hi Power Mark III that was like new in box condition. I paid $500. When I got it home, I found the original purchase receipt with the manual. Original owner paid $1,200.
Pretty sad. The previous owner paid $1,200 and either shot a magazine or two through it and put it away, or tucked it away in the safe without ever firing it.