People on a tight budget = Claris is good enough...nothing wrong with that, any rationale is valid as long as they are yours.
People on a little more = Tiagra is good enough...nothing wrong with that, any rationale is valid as long as they are yours.
People on a higher budget = 105 is good enough...ad nauseum.

Stick with the budget you have set for yourself and you will be fine. Hubris is a pain.