I would make a comparison to collecting cars. You may think it crazy for anyone to spend money on a car collection. Who are you to judge? If a person spends their time learning, talking, dreaming of a certain car, why should they not buy it? I have a friend who owns a 1969 Dodge Charger Hemi, all original matching numbers. He is not rich, but has a house, a daily driver, a great wife and kids. How can he "responsibly consider" owning it?
If I feel the same way about nihonto, it is my choice....
Compare nihonto to Corvettes. You can buy a nice, solid 1984 Corvette for $5000. Nothing special. Not exactly highly sought after. Could we compare this to a solid nihonto, with no major flaws, average smith, hozon paper. If you own either of these, good for you. Enjoy it.
Don't go to a website specializing in Corvettes and expect a lot of oohs and ahhs! Would you call an expert in Corvettes to be "elitest" or a "cool kid", if you brought it to Bloomington Gold, and they weren't excited? Of course not!
If you were a serious collector, you would appreciate great cars, and listen to experts who know them. You would learn, read, look at great cars at shows, and save your money. You would sell things, maybe take a side job, live more simply. You would take your time, test drive many, then maybe take one to a mechanic for an opinion. I hope that you wouldn't buy on impulse on ebay.
If your budget allows, you could buy a 1965 stingray convertible, small block. Ok, now you have something interesting. But maybe it has cracked paint, and not numbers matching. Maybe the comparison is a tired mumei koto sword with some openings. Maybe its hozon or tok hozon. Some collectors would prefer that 1984 in great shape, others this 1965 with issues. Personal preference....
Top of the line budget? Maybe a 1967 L88 Big block, convertible, matching numbers...... Yummy. Out of my price range, but I have seen them. I appreciate them. A Masamune perhaps?
Juyo is like Bloomington Gold certified. Very nice to have. You know what you have. But you could still have a 1984 corvette. Doesn't mean it is worth anything near that 1967 without Bloomington Gold.
Not a perfect analogy, but maybe helpful to new people.