I have OCD so I'm gonna lecture on keeping dirty bikes.

Shame on you!!
But seriously, I'm always interested in seeing someone's bikes. This is a bike forum after all!
In regards to your question, many have already said most of the answers but for me personally, I try to get the best that I can feasibly justify for. I just purchased a hybrid bike for running errands and such on sale for $470. For what it has, a comparable bike of another brand runs about $200 more.
My mtn bike, the full suspension, was also on sale but that bike ran a pretty penny. I love that bike and I feel no need to get anything more because of my needs in terms of my riding advancement.
My road bike is another story. I got a bike that is way above what I would consider even spending for a roadie since.......well, I
couldn't ride road because of the position and my bulging disk. But because I had to have it special made, I ended up having to spend quite a bit. The bike fits me perfect, I don't have pain (like I did when I test rode roadies) and can ride for hours on it.
Edit: The offer is still on for the pics. I'll post all three of the above if you post your *ahem*
dirty bikes.