I bought a 2014 Rubicon Unlimited about a month ago. It was 40K and I've dumped 11-12K in it in that time. I would have still changed out the same stuff (bumpers, tires, wheels, gears, stereo, winch, etc, etc….)
Did I need a Rubicon? Probably not… I like to go off-road but nothing I couldn't have made without a Rubicon. I guess it's like having a gun. Better to have it and not need it rather than need it and not have it.
I say if you can afford it, go for it. The extra 5-6K you spend now isn't enough that will make a difference 4-5 years from now.