Everyone's finances are different, your economic guardrails won't necessarily make sense for someone else. I've built plenty of commuters that have rolled out the door of my local coop for < $50 and I put love into every single one of them, every single one of them was (Mostly) solid. But I also have a $3.5K dream build that mostly just hangs on my wall made from vintage new-on-shelf parts, an ode to late-90s / early-00s roadie aesthetics.