It seems there are two schools of thought on the subject:
1) If you can afford it, might as well buy it
2) If it won't make any real practical difference to you, then save your money
I assume that if somebody starts a thread on this message board asking if they should buy something, the implied question is really whether or not the difference it makes is worth the cost. If they were of the mindset that they should just buy whatever they can afford, then they would have already bought it and wouldn't be posting the question.
That's an oversimplification. In reality there's a continuum between those two positions where we all reside (whether we know it or not). For me I lean further towards (1) than (2) than you appear to but I suspect not massively so. For instance, I could afford a mac pro but the differences (and tradeoffs) are not worth it to me given the much higher cost.
(2) is also a subjective conclusion (certainly in this instance). The objective data on the differences (e.g. benchmarks) suggest anywhere from a 10% to 20+% improvement. You don't have both machines so you don't have tangible experience to comment on the differences. Your conclusion is based on general experiences you've had, which is ok but limited.
So I don't agree with your conclusion that by asking the question the poster is automatically in (2). It's just not that simple. I've read many of these posts asking about spec differences and in several people have opted for the higher spec even when others argued it would make no material difference to their experience. If your point was correct, this wouldn't happen
In these situations we're all trying to make the best decision for ourselves given our personal circumstances, cognitive biases and our values. To reduce this to dumping people in 1 of 2 buckets is missing the complexities of human decision making (I can recommend some good books on the subject if you're interested)