Sure. You're right, it is my money. And I pay even more for inference on top; I have OpenRouter credits, OpenAI subscription, Claude Max subscription.
It's not so easy to get nice second-hand hardware here in Switzerland, and my HEDT is nice and quiet, doesn't need to be rack-mounted, plugs straight into the wall. I keep it in the basement next to the internet router anyway.
The "sensible" choice is to rent. It's the same with cars; most people these days lease (about 50% of new cars in CH, which will be a majority if you compare it with auto loan and cash purchase).