Defining affordability (I don’t think it’s needed) will likely require knowing someone’s net worth, in my opinion, but even then there will be plenty to ponder. Future needs, supporting of family, hobbies, and charities once you pass. Cost relative to the rest of the system is an easier conclusion to draw, perhaps, but could be subject to much conjecture as well.
I feel the term was used in the post similar to the term ‘big improvement’ being used.
Big improvement over what? What percentage improvement is big? How would you quantify and defend the term? You really can’t, but you can wear yourself out talking about it.
I consider the writing in forums to be somewhat relaxed from what you might expect to find in a white paper or technical bulletin. I just read it for the fun of it.