As long as i can hear the nuiances with sound on my headphones, i am content.
At that level of headphones, you often miss a lot of what was intended to be heard. It feels like going from 480p to 1080p. (but I don't store music in flac because I don't have the hard drive space for it)
If I'm in a very music appreciation mood, I really need to grab my headphones. I have a cheap 15 dollar one I got as a gift, and then I got my studio headphones. The difference is too obvious to ignore. Its not even about quality, but rather I actually hear things I don't hear on speakers or other headphones.
I'm not actually picky, but when I play Guild Wars 2 (sick sick sick soundtrack), my mind literally falls in to an illusionary immersion only when I wear my good headphones. I hear subtle instruments in the background, the balance of sounds is so perfect, everything is crisp and clear. Once I got used to it, I became unable to go back.
Technology has very steep initial curve in the law of diminishing marginal return. Let me draw you a neat little chart.
[Image: http://i.minus.com/iwime8GNljWic.png]
If you buy a 50 dollar headphones, you could actually just spend 50 dollars more for double the quality. Obviously that isn't always the case (especially in peripherals), since when I look at 50 dollar headphones they're almost always just glorified 10 dollar headphones with nice plastic on it. No wonder you don't see the difference. I had a "nice" 60 dollar skullcandy before. It wasn't actually nice.
But then at the 100 dollars, the quality increase per dollar does seem to slow down. Its the perfect price point for a budget setup. I wound say about 40 dollars is the good price point for mouses. About 100 for keyboards, assuming you want a mechanical one. If you don't want a mechanical keyboard then there's really no reason to spend any more than 25 dollars on one though.