There will be pain in suffering from spending too much as well.
Interest rates here in Australia are heading for 9% (our economy is growing....). So I spend a ton of money on a bike that isn't helping me pay off the house.
What I want is a good bike at a good price! Might end up waiting til the end of the year to see if a CAAD 10 comes out, and if they spec it with Ultegra
We also want to go on an overseas trip (which we haven't done for a while due to the above house purchase etc.
The plan is to do two bikes, one for each of us. My gr's bike isn't as old, but has a cheapo frame and Ultegra. So we are considering just doing a frame and wheelset upgrade and swapping as many parts as possible (but she also wants a compat crank). My bike is full campy but is getting worse for wear. I want to change to Shimano so all our gear is common and I don't need two tools for everything!
Six13 with Ultegra would be $3500 with decent wheels.....not sure If we'd want to spend any more than that. Shame it isn't taper steerer and BB30....
If I went system6 with ulegra might as well spend a "little" more and get a full supper six......but then we are talking $10K to do both bikes!!!!!