We have friends who have a $90,000 boat that they financed and pay to store and had to buy(finance) a bigger truck to tow it with. And the kicker is, over the past 2 years they've used it less than 12 times! They've had it for sale for over a year and can't get rid of it.
My brother financed $12,000 for a motorcycle that he hasn't ridden in over a year. They have a new baby and his wife doesn't want him to die on the bike.
How is financing $10-$20k on audio any different? Plus I can always sell me stereo if I need to.
It always amazes me how people will spend thousands on jet-ski's, snowmobiles, boats, sports cars, motorcycles, etc...that they use very rarely. But when they hear how much I spend on audio, which is something I use daily, they think I'm crazy. And I spend very little compared to a lot of people here.