Would you spend you money on modest brand new car or rather buy top notch vintage one?

Try insuring vintage cars.

The cars are not the subject of discussion.  The title of the discussion was chosen  for different reasons. The subject here is not to compare cars vs. audio equipment, but rather buying new gears  vs. used.  

Well, try to insure 1M audio equipment.

Then you should have asked the question that way.

The subject here is not to compare cars vs. audio equipment, but rather buying new gears  vs. used.  

I did.  Read the elaborate explanation below the title. Can you?