I don't have a problem with having a few bags set aside for special occasions. Special occasions are by definition special, meaning something that occurs infrequently, is out of the ordinary, is not an everyday occurrence. I have two
Coach large wristlets I use for weddings, the opera, dh's work events, etc. I don't need these little handbags often, but having two in my closet means when an event comes up I do not have to scramble trying to find a small bag that will work. For someone else their special occasion bags might be Chanel or LV.
I have a couple of mono LV I rarely use though. I only use them when we go into the nearby cities where more people carry LV and I do not stand out by having one. Here where I live, I only carry the de, not the mono. In hindsight, as lovely as the mono bags are, I am not sure I would have bought them had I known I would not feel comfortable carrying them where I live.
I agree that buying for your real life rather than your imaginary life is a good idea. Also finding your style, your price point comfort zone and deciding how much wear and tear on your bags you are comfortable with all matter.
I do love what a previous poster up thread said though about using your nice things everyday to make each day special. There is something to be said for living like that.
My husband's grandmother passed away years ago and when the family cleaned out her house they found many lovely things she had set aside for "special" that she never used. That is kind of sad.
Personally for me I've decided to use the heck out of my LV de bags and my regular Coach bags. I also have a couple of MK I use pretty frequently, but I don't think I will be purchasing any other MK.
My other bags, the Coach wristlets and mono LV, set aside for special occasions, will be used when needed. They do get used, just not as often, which is okay, because then they will look nice a bit longer.
P.S. Keep in mind that as you age, your lifestyle may change. It's not something static. You may have more special events to attend or you may become more comfortable carrying your nicer bags as you grow into them. You will figure out what works for you!