When it’s just $46 a month you don’t have to be independently wealthy LOL.
Independent of the refresh rate discussion but...
Say you're a normal, middle-aged man/woman, with a family, normal job, house, etc.
And you base all your expensive purchases on what they will cost if you pay them on a monthly basis (which a lot of people do nowadays, especially in the US which is very credit based), you'll still be paying quite a bit per month.
It's easy to think you won't feel a small amount in your wallet.
But all the small amounts added up each month make a big amount.
Down-payments are a bit of an illusion and they are quite dangerous in times like these.
Tons of people are losing their jobs and all of a sudden you'll start noticing you can't justify 10 46$ payments a month any more. And what happens next?
Anyway, what I try to explain is it's not a good idea to think in terms of monthly payments.
You'll still spend the full amount, but it's hidden and it can byte you in the ass quite quickly when you hit some financial set-backs.