Truth be told, although what I said above is true, Linda always says these things in jest. If I really decide that I want an SD1, she'd tell me to go get it tomorrow and never complain about it.
When I had my small construction business and it was the family lifeline, I treated it exactly as you say Uncle Dave. The cost of good tools was always factored into a percentage of the profits, and if I felt that I needed a tool to enhance my "performance", I simply went and got the tool. Injury ended my ability to continue in the construction field, but as I recovered it also opened a new door for me to pursue more in the music field again.
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AJ