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For people who have the luxury of some non-trivial amount of disposable income, there's not really any such thing as "the best you can afford". I could afford to get an iPhone 6S in the sense that I have enough money, but on the other hand, there are other things I might want that I could buy if I got a cheaper phone instead. Unless having a high end phone is a big priority for me, it makes no sense for me to get the best phone I can afford.

Mine is merely advise to those that ask. YMMV goes without saying really. With any technology; car, bike, phone, computer, washing machine etc. you should buy the best that you can afford. That doesn't mean spend all your money. It doesn't mean buy the most expensive. Best is very subjective. It could be 'best suits my needs' or it could be 'best on the market'. Nothing to do with priorities.

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