hershi,
The fallacy in your analogy is that a music or software cd’s value is not in it’s physical presence, it’s in the creative, financial, and time investment put into it. the CD itself is worth about ten cents, a downloaded file worth nothing, physically.
As far as being honest with yourself, I’ll relate a story told to me by the protagonist. A relative had a copy of Judaea, a 1981 release which was (and still is) a unique sound in Jewish music. He rationalized that he would never buy it, so he copied it. When he lost his copy, he went back to his relative to copy it again, but he had also lost his. So he bought it. He then realized that he couldn’t trust himself to accurately judge when he would or wouldn’t have bought something, so he stopped his practice of copying.