There is an entry in the Bushidoshoshinshu titled “Weapons”:
Every samurai who is in service must have a supply of weapons suitable to his means. Every feudal house has its military regulations, and the proper banners and flags and helmet insignia, spear mounts, sleeve crests, and marks on the baggage animals as ordered by the lord must be carefully provided in a uniform manner. For if they have to be improvised in a hurry it will be an obvious sign of carelessness and will provoke contempt. Men who from neglect of these insignia have been attacked by their own side and killed and suffered loss are not unknown in military history, so there must be no want of precaution in these things. And some may think that their servants are not likely to have to cut anybody down and so may replace the blades of their swords with wood or bamboo, and neglect to provide them with a loincloth because they think they will not need to gird up their clothes, and find themselves in difficulties owing to their want of foresight. And a samurai who is a cavalier and who receives a considerable stipend and who does not know when he may have to take the field, however peaceful the time may appear to be, is a hundred percent more culpable if he does not provide himself with the proper weapons than the young serving man with a wooden sword or no loincloth. So from fear of being put to public shame he ought to equip himself properly. And here is a piece of advice on the subject. When a small retainer wishes to fit himself out with armor and has, let us say, three pieces of gold to get a suit, the best thing he can do will be to spend two-thirds of it on the body armor and helmet, leaving the remainder to provide all the other things he will need such as underclothes, breeches, coat, under-hakama, upper girdle, surcoat, whip, fan, wallet, cloak, water-bottle, cup, etc., so that he will have every accessory he needs as well as his suit of armor. Then, though he may be young and very strong, it is better to avoid heavy suits of thick iron armor and weighty banners and standards, for the very good reason that, though they may be tolerable while he is young and vigorous, as he grows older they will become too much for him. And even a young man may fall ill or be wounded, and then the lightest iron armor will be a heavy burden and a hindrance. And if a young man gets known for the weight of his banners and standards he will find it difficult to give them up when he becomes older and less able to support them.
I find it an interesting parallel to modern soldiers and law enforcement officers who will spend tons of money on the latest flat-screen or video console but will scrimp on buying a quality holster or flashlight.