That’s your best effort to justify the unjustifiable, as per the scenario I suggested & I have had to do it numerous times, Asia to South America, in J (& without HON ) & needing to work, it would make much more sense to pay 200 EUR for FCL access
But your only interested in saying 200 EUR is too much for FCL access no matter what the circumstances
To be honest with you, in this scenario, I would just upgrade to F on at least one if not both legs.
Now as to whether paying 200 EUR would disrupt one's financial well being, I would hope that isn't the case for many in this thread. We've all wasted our money too, so go for it.
Although I will say that one poster spending 3 month's paychecks on an F ticket did have me genuinely concerned for his financial wellbeing in an almost maternal way.