In the musical instrument world, we call this G.A.S. - Gear Acquisition Syndrome.

There's nothing wrong with perusing the Marketplace, especially if you need something specific (DAZ's the Village, a courthouse and a haunted house here are on my wishlists).

Creating your idea content is time consuming but sometimes you need something "just so". The more I model, the easier it gets. The unfortunate side effect is that every real world object I see is analyzed down to base primitives, curves and extrusions. It's maddening.