At the risk of being even more boring than usual ...
I am used to living on a fairly small amount of money and I would not suddenly become a different person and start throwing money around. I might treat myself to several nice bikes costing a few thousand pounds each, maybe £10k in total. I don't particularly want to make myself a target for every thieving scrote who can recognise a super-expensive bike when he sees one!
There is also the matter of there being millions of starving people in the world and they would start to weigh heavy on my conscience if I were to become too indulgent, so ...
£10k max on bikes, £500k for my pension fund and then retire immediately, about £1,000,000 spread around my family and friends to make sure they were ok, and the rest of the windfall given to carefully selected charities who could do a lot of good with it.