Decide on a major purchase

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I am buying {{product}} with a budget of {{budget}}. Options: {{models}}. Help me decide: (1) first clarify my real usage — if I am unsure, ask me three questions; (2) separate features I will use daily from features that look cool but get used twice a year, weighting the latter near zero; (3) compute five-year total cost of ownership — purchase, consumables, repairs, depreciation, time — not just sticker price; (4) identify which spec is most inflated by marketing into a fake need; (5) give one criterion for when paying more is justified and one for when the cheapest is enough.

我要买 {{商品}}，预算 {{预算}}，候选：{{候选型号}}。请帮我决策：1) 先问清我的真实使用场景（如果我不确定，列出三个问题让我回答）；2) 按「会天天用到的功能」和「看起来酷但一年用两次的功能」分类，后者权重降到最低；3) 算五年总持有成本（购置、耗材、维修、折旧、时间成本），不只看标价；4) 指出哪一项参数是最容易被营销放大的伪需求；5) 给一个「什么情况下该买更贵的」判断标准，和一个「什么情况下最便宜的够用」的判断标准。