I mean "diminishing returns" and here is my case:

I got a 07/10 shape. To reach 9, i would have to restrict my diet to a point where fucks social events, or hop in test which is stupid (moneywise and add more unecessary variants to life)

I got a 07/10 job. (12k month afer deductions/ 12h shifts/ 12 times a month). It's enough for my demands, i get to invest 3k a month and at the end of ot i still have another 2-3 to spend as i like or save. Any effort into improving it would mean diminishing my free time.

I got a 05/10 car. Improving it would mean wasting a lot of money without any real benefit apart of "showing up myself". Same for my house. I live in a 36m² apartment where i have exactly everything i need, i never spent time searching for things and get it cleaned in no time. Moving would mean diminishing my free cash.

I got an eye surgery. It was expensive but now i'm glasses free, which makes me more attractive and more functional in life.

I'm debating the hair transplant. It would make me look younger and eliminate one handcap with woman. To be honest, materialisticwise i feel it's the last one. But it's expensive, gives me zero "functionality points", and I could travel the country twice with this money.

In a broader approach, i'm debating how much more effort and resources spent in the material world is really worth the return. Or if it's better to stop already and shift all into life experiences from now on.

TL;DR how much is enough? When to stop?