In general, I think most people will pick the 2nd one as the regular couple.
But will there be times there are some material needs that you would want but you can't do?
I"m not saying LV bags or stuff like that..
For example, you (just in general not anyone in particular) likes having big family and a few kids. But at this income level just can't afford to have more? Don't tell me 天生天養, there are really so much work /housework when kids are around. If there are no help from other family members (or maid) it's not really feasible to have many kids without the house look like a dumpster.