I'm with Highgloss... NYC negates possibility of a car, nor is there a need, at all. NYC living also negates the possibility of owning a home. If I ever get married, there is no way in hell that I am having a wedding. Hermes - maybe when I'm in my 40s or 50s, and hopefully by then I will be able to justify the cost if I decide I must have it.
The thing with Balenciaga, even though they're pricey, the cost isn't unreasonable to me, even if I can't really afford it. Hermes is in another stratosphere all together, and so are cars, homes, and weddings...
If real need should strike and it's Bals or rent, that's another question - though I hope I won't have to face that one in the near future...