I don't have a ceiling, per se, I simply don't have expensive taste. It helps that I grew up poor, and I am very much a working class citizen, so circumstances don't allow for expensive taste. I actually get a bit of a kick in getting great shaves from a cheap razor.
Part of the hobby, for me, is in finding wild straights and fixing them up, making them shave, and either passing them on through gifts, giveaways and an occasional sale, or keeping them for myself. Looking over my collection of gear, I have never spent more than $60 on a single piece, that I recall, and that has only happened once. This isn't a conscious glass ceiling, it just happens to be a factual observation.
I have spent some money on sharpening stones, though, to be honest. Not nearly as much as other people have, but all told, I probably have as much tied up in stones alone as I have in my entire shave den. However, I do use my stones for sharpening knives and tools, and I actually get a couple dollars here and there sharpening kitchen and hunting knives for people, so that helps justify it...sort of...
I also spend money on materials for razor restorations. Wood and acrylics for making scales, consumables like saw blades and sanding belts, polishes, steel wool, finishes, pinning materials, and on and on...
Even my tools and materials are bargains, though. I don't buy cheap, because I don't like buying twice, but I definitely shop around for bargains and deals, and try to get the best value for every dollar I spend...