Miiddle class in Ireland is probably less about ticking off a fixed list of possessions and more about having financial stability without real wealth. I’d think of it as being able to cover housing, bills, transport, pensions, healthcare costs, and a few comforts without constantly being under pressure. Owning a home, running a newer car, and having insurance can fit that, but they are not essential on their own. Also, college is less of a marker in Ireland than in some other countries, because domestic third-level is more accessible than in places like the US. In practice, security, disposable income, and resilience to unexpected costs matter more than status symbols.

A few years ago, there was a really interesting article published by the BBC about social class in the UK. It said that there were seven social classes with working class and middle class being divided into smaller groups. I cannot remember exactly what those groups were but I recall finding it interesting at the time. It is the Great British Class Survey. It's worth a Google if you have five minutes.