You missed the most important item. If you can't park it outside a bakery/ coffee shop/ whatever and stare at it with a feeling of pride, you're not going to ride it much. Even a manky beater that has wormed its way into your heart will get ridden more than a soulless but expensive bicycle. That's not to say that money is bad, my Hillbrick, being a custom build with good bits cost me $3,500, and that was more than I could really afford. On the other hand, my Europa has been with me since she was bought new in the early 80's and while only worth a few hundred dollars if that, is priceless to me and gets upgrades to keep her on the road. And I also have a manky beater that I keep finding uses for.

The components are important but how the whole bike tugs at your heart is the most important.