To the OP
I think most of us here can understand where you are coming from.
I have some ground rules that are not written in stone, but they are just my natural way of doing things. First of all, if I dont have the cash, I dont buy it. Only once did I do a lay-away, and that was because once that gun was gone, the new ones they were to receive were going to be a higher price. I had already decided that was the gun I was going to buy, so I locked it in, paid it off... now it's mine, no big deal.
But when it comes to enjoying your firearms, your dilemma is real.
In my mind there are 3 main bonding experiences we have with each firearm we own.
#1 Owning it...
knowing it is yours, and that you can use it, fondle it, look at it, think about it, even show it off when ever you want. It's a beautiful piece of engineering and is a piece of art to own and behold.
#2 Cleaning it...
Having a physical experience with the gun, dissembling it, cleaning it and lubricating it in your own personal way. Having that time to get to know your gun and appreciate it's workings, construction and beauty. Also reading the owners manual
#3 SHOOT IT!...
If your a decent shot, you get to decide things like, "does it shoot low? High? left? right? or is it right on!" You get to feel it with each shoot, subconsciously comparing it to others in your collection. You decide what you like about it, and what you dont. Then you find ways to make yourself deal with the things you dont like so that you can fully appreciate the gun for what it is. Then of course you get to ultimately decide, do I CARE about this gun??? Is it reliable? Does it fill my intended purpose? If not can I change my purpose for this gun so that I will be happy with it? Or is it just a lemon that needs to be as far away from me as possible? OR are you ok with it being a lemon, and who cares, you'll keep it anyway.
As you can see]
#3 is the most involved aspect of owning a firearm (collector firearms could maybe side step #3 to some extent) As you know, you have #1 down really well... but what about #2 and #3? Do you have handguns that you've never even taken out of the box and cleaned?
This all comes down to your own personal satisfaction. As long as you appreciate what you have, your in good shape... if you have more than you can appreciate... make sure to find the balance.
Regardless Enjoy