Ultimately it depends on how much money you have, not on the quantitative differences between Ultegra and Dura Ace. Also, your time line. If you're old like me, then you buy knowing that life is getting shorter and the kids are grown and now is a good a time as any to spend a little on yourself.

One other thing. Americans use their credit cards way too much to support their wants and desires, mostly material stuff and perceived value.