I so understand how you are thinking
Guilt re the downpayement on the property yes you are saving for this , but that journey does not have to be tough tough tough, you are both young and should reward yourselves along this path towards property
I think you know the bag you truly desire and thats the black box, ( I love box) but maybe if you re looked over the threads a black in another leather would be ok.
I dont think for one moment this will be your last bag , its the first on your journey.
Now remember property ownership the word mortgage actually means in french " Death Debt" we work hard all our lives to pay for the PROPERTY , only to have to worry who to leave it to at the end
So , please accept DH gesture and look forward to this bag its a reward for both of your hard work and a treat on the way to the property
and remember Dreams can come true, go for it I say and cuddle yourself , saying yes I do deserve this
xx