We've been redoing our house, which is a pain in the ass, while you're living in it,
as soon as your eyes see the sparkle of premium finishes, and you get hooked on having those features... you're gonna spend money and lots of it
we put cherry floors in our place to match the furniture we have, just purchasing the wood for the entry stairs $150 a tread just for the wood, never mind installing or trim and there were 13 of them
my advice, if you like it, and you're having a house built or whatever, then put it in, if you can manage to close your eyes when you see the bill