I found myself nickel-and-diming my next-bike-fund for upgrades to the current bike. But GeoKrpan is correct that time spent truly studying what you do and want will never be mis-spent. It's taken me ~3 yrs of commuting to zero in on what I think is exactly what I want. And then a little more time to scale it back to something I can afford/justify sans lotto/powerball..