There's certainly never any shortage of ways to spend money, is there? lol!
You ain't kiddin'! (Apologies to any Grammar Grinches). When I got my 520 last September, the fun had only just begun! I still need fenders to replace the crummy ones the LBS threw in (DH knows what I want, and our anniversary is next Monday), rain covers, hmmm, I'm sure there is more.

Let's see, there was the pump, the side-access bottle cages, the headlight, the mount for the headlight, the rear panniers (Christmas), the front panniers, the handlebar bag, the seat bag/tool kit that is too big for the space between the saddle & the rack, the front rack (a hand-me-down), ...

Then I got sick and couldn't go on my first real tour.

Anyway, I LOVE my 520. I have used the rear panniers for commuting to work, but have yet to fully load it down. It rides really nice under no load/light load. I hope to find out soon about how it handles with everything piled on. It feels really smooth (even though it is an absolute tank to lift, compared with my road bike) and stable. It is really comfortable.

Have fun on your search!