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The other thing is (not for people like Warren Buffet), when your net worth goes up, your requirements change. When you over 10mil net worth, you don't want the merc, you now want a Rolls Royce :D I still think it's a good problem to have, thinking whether to by a Rolls Royce or not.

Yes, you need it. Believe me.

Great achievements Scientist. Being able to think whether to buy a 100K car or not itself is pretty good (given that you can easily afford it). Personally, I get lot of self satisfaction with that sort of thing, even if I don't buy it (Provided that I can easily afford it).