Obviously, you're not going to pay $500 a month to wear a Patek Calatrava. I reckon that the concept of a $40k watch is fundamentally offensive to most who are reading this.
But an 80 month amortization window at, say, $20 a month gets you into the land of Citizen, Tag Heuer, Stowa, Oris, Weiss...you know, watches.
I would not.