My bike adds up to around the £3.5 k mark. I'm 38 and not loaded, but do live in Surrey. It gets me to work everyday so save on petrol. I also ride the very trails you mentioned among others. I think it looks nice, it's comfy and without meaning to brag, I am pretty handy on a bike. Biking is what I do, no gym membership, no fancy car, no designer clothes, I don't drink much or go to fancy restaurants. I do however thrash the arse off my bikes and that keeps me happy. However, when I'm riding along the river with my wife and kids, no doubt some other mountain bikers will think 'look at that middle aged bloke on his flash bike – as if he needs that to ride along with his kids. What a nob'. Oh, and my watch is about £60, yet a £9 Casio would tell the same time and also fit on my wrist. What was the point of this again?