Value Regret hypothesis: We buy cheaper stuff to avoid future regret over value-loss per-time. It is psychologically hard to think the "expensive component" will lose 50% or even 75% of its value. Value Preservation hypothesis: We buy more expensive stuff to avoid changing current setup, preserving its value("Future-proofing").
When buying something that rapidly advances/changes in price like GPU/SSD Value Regret prevents buying more expensive items. When buying something that has a stable price like monitors,computer cases,mice, keyboards we tend to buy more expensive options for Value Preservation. CPU/Memory are something in between and that feels more hard to choose because there isn't a clear future of these parts.