Go back, George, and you'll see that I seconded Lee's point that 'afford' is a question of priorities. I can afford Leicas because they are worth the money to me; I cannot afford caviar because there are other things on which I prefer to spend the money.
Likewise, I could afford one or at most two bottles of Bollinger Millesime champagne a month, but I prefer to have a bottle of plonk every day. You can afford a Leica, but you choose not to because it's not worth the money to you.
What puzzles many of us is your belief that your priorities are right, and ours are wrong.
As for the relative performances of the cameras, under many circumstances the two will be indistinguishable. At the limits, as Don said, they probably will be distinguishable. As for the 'out of the box' point, my M4-P (my first new Leica) came out of the box 25 years ago. I'm still using it. Much as I admire Voigtlanders, I wouldn't expect that sort of longevity. Yes, I could replace them as they wore out -- but why not buy the best on day 1.
Besides, technical image quality and even longevity are not the entire story. I can get better technical quality from almost any roll-film camera I own. What I can't get from medium format is a camera that I like to use better than any other camera I have ever used; that I can use almost instinctively; and which, therefore, gives me my best pictures.
Put it in terms of clothes. In the days when I had to wear suits, I had them made to measure. They were more comfortable than off-the-peg, and looked better. They didn't keep me any warmer or drier, but I preferred them. Fortunately I gave away my last suit in 1987.
Finally, no. I haven't reviewed the R3M, just the R3A (I live in hope for the R3M -- I've been offered one for review but George at Shutterbug has to agree). I've also reviewed the ZI. My review reckoned that the Zeiss Ikon is about twice as good as the R3A, and half as good as a Leica -- or as Damien Demolder put it in the AP review, if all three were made by the same manufacturer, their prices would fairly accurately reflect their position in the market. Frances actually prefers the ZI because she can hold it steadier.
Cheers,
R.