yes, Ks do matter. I'm just about to get my 1st R9s and I'm having to be creative to fit it into the budget. But with IRAs, College Funds for children (no children yet, but its never too early to start), and buying our first house there are just so many other things that I could and should spend that much money on instead
Thankfully, my wife is amazing financially and as a person or else I might not even be getting my first R9s.