I spent around 1000 euros on new Winter kit over the last few months. All Santini Vega. It is rated for freezing temps and rainy days. It would be ok if I lived in the UK or Belgium but I live in a place that has over 300 sunny days and relatively little rain with lows of around 10C and most Winter days go warmer than the kit is designed for. But I wanted it just in case.
I have a Summer kit for every day of the week, same with Winter.
For racing I have separate team kit.
Yeah, definitely someone who spends a lot on kit!