Hypothetical question here.

If someone is single and works hard and has a great salary, and let’s say he gives his khums and sadaqa and fulfills his religious duties.

If he were to spoil himself by buying a fancy watch (say 25000 dollar price tag) or by buying an expensive suit/tie/shoes (say 3000 dollar price tag) but these are things he will use daily or weekly, or leasing a 1200/ month car, or living in a 1.8 million dollar home, is that extravagance considered haram? Can someone splurge on themselves or does he have to pay a kaffarah type fee for spending excessively?

Would these actions be considered selfish even though he is completing his religious duty to the needy? Any insight is greatly appreciated