Bike touring is like any vacation - I want to enjoy the experience as much as possible. Camping out is often great, but if it is going to rain all night, and there is a reasonable indoor accommodation, I'll take it. If there is good restaurant food available, again, I'll go there instead of eating granola bars and ramen noodles. Spending as little as possible for its own sake is not enjoyable, at least for me. However, if you have a very limited budget, then being frugal may be a necessity to do the trip.