I'm not suggesting blind A/B tests, but a thoughtful approach is to use consistent music samples and make as objective an assessment as possible. I certainly don't advocate acting on impulse. Personally I just want to eliminate as much bias, emotion and external influence as possible.
I own one watch. Bought it about 4 or 5 years ago. It's by a watchmaker I met a long time ago. I made the decision to buy the watch quickly, in about half an hour - 7 years before I actually bought it.
I don't let money get in the way either. That seems a big factor in decisions. I sometimes get the feeling some people buy things because they think they are getting a good deal rather than for what the product may bring them in terms of enjoyment. Some people's houses (often wardrobes) are full of stuff they bought because it was a good deal, but they have never used.
If I have a budget of, say, $10,000 (and my budgets are well below what I can afford), I won't consider anything over $10,000. So I never have the thought if it is too expensive or poor value. If I were then to buy something for $5,000, then it's a bonus, but price has not affected my decision. As for buying on credit, I've refused to sell things to people who said they were borrowing money to do so. I don't know how people can think it's worth getting in to debt for the sake of 0.1% better sound quality. Maybe I'm biased, I'm not Mr Moneybags, but I have no debt at all.