I see where BG is coming from too. The richer and older you get, the more that you see:
1. Debt being a bad thing,
2. The comfort zone thing becomes important.
The gradual erosion of T & Cs in the airline industry also doesn't endear itself to you either.
You don't want to have the 'I wish I had done that when I had the chance' moment on the death bed, but you also don't want the 'What was I thinking' moment either.
For me, I've written off the money for the training. I put it all in one account, and pretend it isn't there, and it's not mine. I've got another account for my savings - although that doesn't look very healthy at the moment.