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Defining comfort is a whole 'nother beast altogether.

What's "comfortable" to a person choosing an SUV as their third car because they already have a convertible and sedan is entirely different to someone stuck on public transportation, for example, who'd appreciate anything with a running engine.

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A person "stuck" on public transport is choosing comfort over the person riding a bike as they spend some money but generally don't expend much energy and have climate control. They may or may not save time.

Bicycle versus walking.

Single room apartment by yourself versus multi room apartment with roommates.

Choosing a dwelling versus living in a vehicle.

Eating tastier more expensive food versus cheaper, blander food.

It's comforts all the way down to living in an improvised shelter out in the wilderness.

Not buying a third car can save sufficient money for a normal family to live off for several years. Walking to work vs riding the bus for a year can save you enough money to live on for a week or maybe two. Additionally some choices -such as living in a car -carry negatives beyond discomfort, such as risk to safety, loss of time and most significantly loss of flexibility and therefore opportunity cost.

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