I don’t love this example because enjoyment of the object isn’t really a cost. If I buy a book or a videogame or a movie, the time it takes to enjoy the media is the value, not the cost.
If you’re talking about maintenance and upkeep on your car, that is a different type of cost that has to be weighed against the cost and time expenditure of a bus pass or whatever your alternative was.
In other words I feel like this is a catchy phrase that kind of falls apart once you start to dig at it.
Vote for 3.
Honorable mention for 11 but all of these are fantastic. Great job by the artists.