Mungo man,
Ignore them. Just ignore them. Algol has it spot on, the CX guys of old had it good, I mean really really good but reality has set in. No matter how many times you say you can live simply, you don't drink, you don't eat steak, some blinkered sour-puss will always come here telling you about 500HKD steaks or 70HKD beers in LKF.
Tell them about 40pc tax in the UK or 44pc tax in Australia compared to 15pc in HK and they will still make it out that you won't have a pot to p!ss in. You are on a good deal mate.