I buy expensive gear, Rapha, Assos, Castelli are the mainstay of my cycling wardrobe. Working for Royal Mail I don't earn a fortune, but I want to feel comfortable for the conditions I am cycling in. Take this morning for example, myself & 2 mates were out for an early morning ride, the temperature was around 2-3 degrees. I was wearing a Rapha jersey and Rapha gillet with Castelli bib tights. One of my mates had 2 baselayers, a cycling jersey, thermal leggings under cheap bib tights, a cycling jacket, a buff plus neckwarmer and he was still saying he was cold. Where as I was having to undo the zip on my jersey and gillet as I was a little warm when cycling up hill.
I am a firm believer in 'you get what you pay for'. There is no snobbery involved on my part, everyone should wear what your happy with. I don't buy high end brands for the label but because it works. But it does annoy me when people say their £5 Aldi Jacket is as good as my £240 Rapha hard shell. Talking of which last weekend in the rain when my mates and myself were on a ride, at the stop my mate undone his "waterproof" jacket and it clearly wasn't, where as when I undone mine not a single drop of water had seeped through. He was moaning about being wet/cold, I wasn't.
Of course a jacket that costs £240 to buy doesn't cost nearly anything near that to make, but you are paying for the science/technology behind the materials used to make it, and the fit is a lot better than cheaper garments.
I get up at 3 a.m and work hard to earn every penny, so why shouldn't I enjoy spending any spare cash that I have on what I want.