Kenrick and his colleagues (1989) found that to men who have recently been gazing at centerfolds, average women or even their own wives seem

These men consider the average women or their wives to be less attractive. This is due to the unrealistic mean they have set for themselves after looking at the pictures of the highly-attractive centerfolds, who are typically photographed in ways that accentuate their best features and downplay any imperfections.

You don’t list any options but the one that frets overspending and the consequences of that.

It's most likely choice a, it makes the most sense in my opinion.