This is what’s it’s all about. I’d rather have my money in amps and guitars that will appreciate and be able to enjoy them and play them at the same time. Hard to get any satisfaction like that out of your investment accounts. I have those too, you have to diversify, but I call all my gear “money in the bank.” As long as you buy them at a reasonable price you can always get your money back out. If you make money, cool. But you still got to enjoy it along the way even if you didn’t.
I’ve made more gains on some amp and guitar purchases than I have on my investment accounts over the years. I didn’t plan it that way, they were collector pieces I really just had to have. And they appreciated a lot.
I’m not a rich guy, but I think this all comes down to perspective based on your tolerance and ability to purchase expensive items. It’s all relative and subjective. For some people, $20k is pocket lint. For others, it’s the difference between making the mortgage and paying bills and surviving. That person isn’t going to be able to justify or understand a $20k amp.