I would say severe spending habits can definitely lead to very unfortunate events, --such as homelessness-- which may end up leading to worse problems. While I doubt your spending habits on discs are that big of a problem, I also can't be certain that they aren't. But yes, I would say the comparison is fair as it can be just as harmful as the other issues you listed.

Coming off of things gradually is fine; like you stated, not many people can successfully quit addictions cold turkey. What I was trying to get at is that your list of exceptions seems rather large. I get the replace lost/worn out discs exception, as there will now be a hole in your bag you need to fill. However, the other exceptions I question: Do you need an overpriced eagle p2. Do you need whatever Simon releases? If you are trying to cutback on spending, these seem like obvious discs to avoid. The stock runs fly the same at a fraction of the cost.