It’s a highly personal choice. Some women wear sheitels for professional reasons, others because they don’t like how they look in scarves and hats, others because their mothers always wore sheitels and it never occurred to them to wear anything else…etc etc.
Real human hair sheitels are of course going to be expensive (and synthetic ones do NOT look good or wear well). You can get one for under a thousand dollars, especially if you buy secondhand. But if you want a more expensive one and you have the money, I don’t see anything wrong with it.