I think how much time and thought you put into buying things is an inverse parabolic curve. If you don't have much money you put a lot of thought into every purchase, because you have to balance your money to make it cover everything you need. If you have massive amounts of money you also put a lot of thought into every purchase, because you generally only buy things that require a lot of thought (houses, yachts, art, etc). It's the people in the middle who go into shops and buy $10k luggage sets - enough money to cover all their needs easily, but not enough money to be buying things that you need to consider.

Essentially, if you have actual FU money, you're not spending time going to a shop to choose your own luggage. You probably don't even see your luggage. An assistant packs your stuff, a driver puts it on your plane, and a hotel worker unpacks it at the other end. Your luggage is probably some completely boring, utilitarian metal box designed to keep expensive stuff safe.