So close....I agree with your second paragraph, but, respectfully, we're far apart on what you said in your third.
First, I agree that the impact of everything we do is global, and generally affects those closest to us the most, in a ripple effect. However, what I had in mind by the amount not making a difference in your spending included charitable giving and everything else. Our charitable giving comes first, then we determine our discretionary spending. Not everyone has to do it that way, but many of those that don't were probably not budgeting yearly donations. So what I guess I was trying to get at is that it's easy to choose to upgrade when the amount extra you spend on upgrading travel should not have a significant effect on ANY of the rest of your spending. (Of course, people with specific needs, like sleep or back issues, will value that comfort differently, but, as always, YMMV.)
As for the second part, in saying you alone determine what is or is not a good value, you definitely ARE suggesting how people should or shouldn't spend their money. And that's generally what we do here, throwing around our opinions about it and defending our reasons or preferences to people who differ, and I love it! But I was trying to think about it from more of a standpoint of behavioral economics. I have my own preferences, but I'm always curious about what drives the preferences of others.