I'm of the opinion that if you commute daily, and you have the money, there are a lot of advantages to a reasonable upgrade. From a less practical perspective, I spent more for my vector p8 because I love the way it looks and the drive train is very lively and reliable. I love to go fast and really enjoy my commute.
From a more practical perspective, by spending more money, I got a seat post pump, quick release wheels, a solid reliable light aluminum frame, and a quick compact fold making quick trips to a small market our a ride on the subway a breeze which is why I have a folder in the first place. I figured I use it every day so why not splurge? Just consider your priorities and weigh the benefits and drawbacks. 40 minutes I'd pretty good but I enjoy breaking my own records!