Just because the lender gives you a pile of money doesn't mean you have to spend it all.
Recently a client (and friend!) sent me his pre-approval letter for $375,000—well done for a 30-year-old dude.
We're looking at houses in the 300k range right now. He didn't earn a $375,000 qualification by being careless with his money.
At 30 there's still plenty of time to get everything he wants, for now, he'd be happy to keep a little walking-around money.
I'm not saying everyone should do that, just don't venture out of your comfort zone.