depending on the bike and conditions, tyre and chain wear can last a really long time.
i.e. I have a Surly Big Dummy, it is capable of handling more than I care to haul most times. I've used tyres like Sefras Drifter 26 x 2.0" for over 3,000 miles without much wear at all. The same goes for the drivetrain, simply bcz the long tail cargo bike uses about 1.5x the standard bicycle chain length, which of course spreads out wear.

as to cycling gear, clothing, tools, etc... the key here is to pick items that you use frequently. its better to own fewer things that you use more often than a lot of things which you use less frequently.

i.e. wool baselayer shirt. At the moment I have 3 shirts. I just added the 3rd shirt after at least 3 years. so yes, for 3 years I've been using 2 baselayer shirts, and thats it. simply rinse one shirt out every day. I have a few wool jerseys, and a Shower's Pass Elite 2.0 jacket that I've had for about 4, maybe 5 years now. You can totally pick and choose exactly what works, and just stick to that. simply don't go out there and spend more money. If you absolutely feel compelled, I sell a few things off here and there, then hopefully pick 1 new item.