It’s more about your income.
Only you know how much is coming into your bank account! (and possibly the tax man)
Plenty of us have disposable income to afford our aircraft and many more don’t !
If you’re splitting hairs over the cost of overhauling a 152 engine versus a PA28 engine then owning an aircraft is probably not for you.
The engine could throw a piston at 800 hours. If you don’t have enough in your accumulating kitty to replace it, what happens then?