There's a difference between 'not scrimping' and 'indulging'.
Entirely agree that a decent bra is absolutely necessary. If a cheap bra from Asda gave good support and comfort, then perhaps Freya would be indulgence. As it is, Asda would be scrimping, Freya would be not scrimping. Rigby&Peller would be OTT indulgence.
I won't scrimp on shoes, not for my dc with growing feet, nor for myself with all sorts of joint problems. But that means Clarkes, not LelliKelli or Jimmy Choos. Bags and accessories, I couldn't care less about.
Food is relatively easy to scrimp on. IMO there are many own-brands that are nicer than branded. Home-cooking, different shops, vegey meals, etc.
I hate scrimping on loo roll - though I would if I had to - because it's a scrimp that you really notice. All the others don't really matter (unless you really want those Jimmy Choos!), but loo roll grabs your attention uncomfortably several times a day.