And even those who "truly can" afford it might just not think the OLED screen is worth an extra $400. I haven't paid a dime of credit card interest in at least 15 years. I am quite familiar with Apple products and have a pretty good idea what to expect from them so I read the specs on the new iPads and ordered the 11" M2 Air. I checked out the new Pros at the Apple store last week and felt no remorse. Did I fail to perform some action that might have convinced me otherwise? Maybe. Does it matter? No. It feels a bit indulgent to have an iPad at all when I already have a Mac, iPhone, Watch, and PC laptop. Can I afford to "overpay" $400 for a new iPad and get maybe half that back in perceived marginal utility? Yes I can. I even do overpay sometimes--such as on the Studio Display that I feel is overpriced but just has no real viable substitute, and darn it, I just plain wanted the thing badly enough to pay $1600 for it.
But I also believe that our spending habits have a huge cumulative effect in the long run, and being in the habit of not spending more than I "need" (in quotes because I actually don't "need" an iPad at all) will save me $400 here, $200 there, etc. and result in an earlier retirement.
I understand that it's implicit that virtually everything being said here is an opinion, we don't need to add "IMO" to every statement and I really don't mind if someone says they don't understand how some people can't appreciate a $400 OLED upgrade as "worth it." But it crosses the line to say that everyone who says they don't think it's worth it is really just jealous that they can't afford it. In my corner of the culture, people like that are considered insecure jerks who need to knock others just to feel better about themselves.