I also encourage my customers to make 2 lists...1 for needs & 1 for wants. It helps to put into perspective the things you can live with (or w/out) when budgeting.
Hope this helps!
1) You wouldn't have to come up with the cash out-of-pocket
2) You would be able to have a licensed professional called a "Plan Reviewer" determine exactly what the upgrades would add in value to your home. No worrying about if you got a good deal or not. Please contact me if you would like more information about this program that my company offers.