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Then you have your answer....spend the money on the hat YOU want. Buy the hat you can afford and stop sweating the details. Value is in the eye of the beholder and is very very subjective. Your money, your choice.Many use the criterion “If no one can see the difference, it does not matter.“ but you know if you are wearing a $100 hat or a $400 hat.
I’m Im not sure I care if anyone else knows (or can see) the difference, I do and I can.