Not so much Halfords rather then big chain supermarkets like Tesco & Asda
I don't think there's anything wrong with an ASDA or Tesco double bouncer. Where I live everyone has them, I pass countless people on my commute who are riding BSO's. My rack, bag and pedals probably cost more than their bike but they are still doing exactly the same as me.
I sometimes feel daft in my lycra and glasses and find it hard to justify why I've spent all that dosh when that 50 year old bloke in a donkey jacket is happily pootling to work.
The law of diminishing returns comes in very quickly with cycling, that double bouncer does the same as your full sus XC beast. Not as well but still, the same.