At first, I wasn't into the luxury toys either. And to be honest, there are some really nice toys that are not all that expensive. But over time, I've found that the higher end luxury toys I've gotten have really been worth it.
For example, my VixSkin dildos (which are usually over $100) still look brand new, after being used countless times and even during my period. For the really well made toys like those, they will generally last a lifetime. And a lot of the luxury toys have a 1 year replacement warranty, and then an additional 10 year warranty as well. So, I feel like it's a safe investment.
I've only been disappointed a very, very few times.