People can try to picture themselves into another persons position and give advice from that perspective, but it never really works. The reasons are simple. First, you can't really know their position, and second, you're still basing your recommendations on YOUR experiences. That said, I think everyone does the best they can.
But there's another problem with asking / answering questions. That's when the OP doesn't really know enough to frame the question. In my own case, I asked questions based on what experience I had, and the assumptions I was making, and I stated a budget that I thought would handle it. It turns out I was wrong in all three areas in one way or another. But by asking the questions, I got feedback and learned, and now (hopefully!) I'm in a much better place to make a decision.
As to budget, I think there are four components. 1) what we are willing to pay, 2) what we can pay, 3) what it actually costs for what we need, and 4) what it costs for what we want. No one want's to spend more than they have to, so what we are willing to pay may not be enough to afford what we want. If what we are willing to pay is less than what we can pay, no problem, we can increase the budget. But if what we are willing to pay is already at the most we can pay, we may have to change what we want down to what we actually need.
