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The probability of losing or getting my phone stolen must be 20x that of my laptop. That alone justifies spending 1/4 on the phone purchase.

Valid question, with the answer being that the higher quality does not enable me to do anything more than what I want to do.

Whereas with the laptop, spending more does. Up to a point anyway, but that cut-off sits higher than with phones.

You would lose that bet. I use a real computer (desktop or laptop) far more than I use my phone.