Well, I am one of those people who bought a set of midnight bracers and ornament of the magician, only to find out that just two months later I could have saved 40mil+ if I had waited a little bit. Heh.

Money in UO means little to me though, I have been rich a few times and I have been incredibly rich (100mil+) at least once.
It was fun while it lasted but for some reason money never just sits in my bankbox.
It always gets spent on trivial stuff.