Yes, to be honest I am often shocked when I see the prices. I really haven't paid much attention to how things have increased in price. I own all the Saturn Shmups that I want apart from a couple that are not expensive - I hope
I actually started out with a sort of plan when I got into NeoGeo in 1998. I put down the games that I definitely wanted and then made a list that would be nice to have. I have been very fortunate in that I now own all the games that I want for the NeoGeo apart from ninja-Commandos. A chap on Shmups sold me a copy of Shock-Troopers and I am pretty excited to play that after many years.
Yes, real life takes precedence as you get a bit older I found.
Mind you, I have met some very odd people who ONLY think about and spend all their time and money on collecting. Guys who get into the category of 'playing with the rent money' and worse kind of thing. That scares me. I just have a collection that I can look after, maintain and have a lot of fun with.
Mates who visit have fun when we look at what I have too. I feel quite happy to show some people Shmups that they have never seen in the flesh if that makes any sense. Not to be arrogant just simply it is good to show them what was released.
I am sure that I am not alone but I never show my Shmups collection to Girl Friends unless we are pretty sure

That is a very good way to end up being single forever - lead them in slowly as the full horror would overwhelm
Cheers.