How about the "you're hoarding" number is one more than you can afford and/or put to good use? Says the woman who probably qualifies as a hoarder to some.

I'll confess that between the 2 of us we have 11(*) with one on order and feel good about it. When we downsized, we gave away 4 to the local bike advocacy group because they fell into the hoarder category. So at one point we did have more. We pruned to what we use regularly.

(*) Each of us has/will have...a primary workhorse 3 1/2 season commuter, a winter snow-tired commuter because we live in snow country, a backup fair weather commuter (OK, that may be excess, but it sees about 300 miles/year), a nice S&S coupled traveler, a go-fast (OK, again, probably excess), and a cheap bike on the trainer (OK, that again may be excess but I don't worry about damage). I am a hoarder, aren't I? (oops)