Everyone has their own way of handling things. I am certainly no expert and I am not in your shoes. My grandfather was very tight with money. I am sure it had a lot to do with his experiences during his early years. Our family has a hundred stories of things he would do to keep his pickup running far past its expiration date. I still loved him even though I run my own life differently.
My pets make me very happy. I take them to the Vet once a year for a checkup, or sooner if something happens.
I hate being stranded on a trip by car trouble. I have my cars serviced regularly even though they are far past their warranty periods. I consider it a small price to pay to keep my vehicles reliable.
I have my cameras and shutters serviced whenever they show evidence of needing it. Slow shutter speed, oil where it doesn't belong, are some of the indicators that something is wrong. I absolutely love using these old cameras and I would prefer that they keep working long after I decide to pass them on to another owner.
Have I had cameras fail unexpectedly? Certainly and then I have to decide whether or not that camera is worth the cost of service. Sometimes I decide to service them, sometimes I don't. I have an old Pentacon Six TL that cost more to repair then the camera was worth on the market. I did it anyway because I love the lenses and I enjoy the camera. (It was still far less expensive than buying a Hasselblad.

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My cameras, my choice.