Excellent point, CDM.
Our most recent, and rather huge, compromise was the purchase of an RV for my husband to live in while he's at work.
I wanted to save money and get something we could afford from just our "spendable savings."
He wanted to get something huge with every comfort of home, but would require us to take out a loan.
We compromised by getting something we could afford from our savings + our emergency money, with the notion that if we had an emergency, we could use our line of credit at that point. It was smaller and older than what he wanted, but met his needs, and was more within our budget.
p.s. that's a really cute pj story