GAW
Stop asking me questions that you can answer on your own.
If someone can afford buying an apartment its not indulging by definition, its a very real need and a smart investment.
The size of the apartment and how lavishly it is decorated, thats where indulgence comes into play.
A car is a need, getting a brand new BMW 760li fully loaded is an indulgence.
Theres a Halacha, of buying clothes for Yom Tov, in that case its a mitzvah to buy your wife something nice. Although theres likely a limit to how much one needs to spend on that as well.