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While I'd agree with most points, aren't people overthinking their music-making a little too much?
It makes the assumption that every musician's goal should be becoming successful or having some kind of mystical experience out of it...
I don't know, some of us just make music because it's our favourite thing to do in our spare time. I learned decades ago that my music is nothing special and is going nowhere, yet precisely because that wasn't my goal, I'm still at it 35 years later, and enjoying every minute of it. For the sake of it.
For the present I'm just getting some Eurorack modules to expand my DFAM explorations, but knowing myself I know I'll get deeper down the rabbit hole, but always within reason.
I'd say, yes be aware of your budget and measure how important things are to you, but don't overthink it. It's just a hobby like any other. If you lose interest after a while. Sell on and move on.