For my closed headphones, which are most critical for me: something I can save up for.

For the living room: amp + speakers should be affordable. My living room is not audiophile proof and will never be so getting the best gear is just lost money.

In-ears: i take these everywhere for calls or some music in transport. So they should be kinda dispensible, so if an audiophile tells me "this is good value for a low price" I'll take it.

I did not include numbers on purpose, right now I have a good income so €50 is "cheap" but in other times in my life that would have been a big purchase that I would rather spend on things like food or a warm coat :-)

It is a luxury thing after all.