I'm from the school of getting what I want so I will never have that "if only" thought hanging out in the back of my mind.
After riding my first real MTB in 99 and deciding that I really love cycling I dreamt of a steel MTB hardtail with the best parts I can afford and I made it happen in 2001. 12 years later, I still ride it and have no desire to get a "better" MTB.
If you really enjoy whatever it is you wish to lavish a good sum of money on, the purchase price is quickly forgotten.