Many seem to be talking about their last system .

No, she might think that you are a good influence but refuses to say it. Women are different..

Think it’s all the above mentioned, factor in some of us are finally satisfied with our gear after years of upgrading.
I’d rather have my gear repaired should it go bad.

I, for one, have reached a level I’m comfortable with. Now should I win the LOTTO....lulz

She definitely does not see the value in the pursuit of better sound quality or the need to spend the funds in order to do so.  I, in return, don't understand the need for yet another handbag from some design house in Europe.  We both agree to quietly sustain the other's purchases as long as the primary financial needs are met.  Certainly a Mars vs Venus situation.

I am not exactly thinking about upgrades any more, the system is well-balanced and I consider it complete. I am thinking about a totally new system. Sure, for a few years it is going to be a transition because I can't afford or/and can't find what I might want, but it will be a new system building process that will take some time.