Responses 1-3: My finances allow me a generous wine budget, but not infinite. "can only afford so much" referred to the bottles of $175/bottle wine...and my statement to most people would suggest I CAN AFFORD the two bottles ("so much") without effecting future wine purchases.
I only buy 2-3 bottles of a particular wine for cellaring, if I were going to buy the wine to taste it young, in my opinion I may as well buy 2-3, cellar it until it peaks, and find out then whether or not I like it. My finances, and cellar, allow for this.
And you forgot to address the following point:
Wines and palates change over time (as you said yourself). How can you be sure the case of wine you bought today, that you love now, is still going to be a wine you enjoy in 5, 10, 20 years?
You can't. No one can. So I'd say you're potentially missing out on having bottles in your cellar you'll enjoy in 20 years just because you were only buying stuff that tasted good to you when it (and you) were younger.