Soldato
It's based on the situation, mostly time. I value my spare time more than money, i have enough money to be comfortable, time not so much.
It is a lucky situation to be in, as I am sure for most it is the other way around, when petrol hits £3/L and every city and town has a 'congestion/air quality' charge it's people like yourself who'll still be able to take advantage of the convenience over the cost. Probably 10 years away but that isn't a long time in real terms.