Like the guy with a drawer full of $800 Vicuna socks, some people spend more on auto accessories than a normal person spends on an entire car. A luxury newbie might think that a Ferrari 488 GTB, that 661-horsepower Maranello mauler, would come stuffed to its pretty gills for its $249,150 base price. But no: The version I recently drove tagged on $109,000 in options—enough to buy a 650-horsepower Corvette Z06, with change left for a used Silverado.

Ferrari isn’t alone, of course. Porsche is notorious for its encyclopedic options lists, including such gotta-have additions as a $380 leather-lined fuse box for its 911. Cadillac and Jaguar are among luxury brands taking a page, however gilded, from mainstreamers like Hyundai by undercutting rivals’ base prices but leaving plenty of room to load up with optional goodies. Audi’s relentless move upmarket has seen it cheerfully adopt the no-free-lunch strategies of Mercedes-Benz and BMW; those wursts look delicious and semi-affordable in the window, but wait until you see what they charge for mustard. At Rolls-Royce, the typical customer now spends another 20 percent beyond the sticker price to flatter their sense of personal style. Since the most affordable Rolls-Royce, the Ghost Series II, starts at $300,000, that means buyers are spending $60,000, minimum, in options. Bills rise quickly with extras like the Starlight Headliner, a fiber-optic universe best thought of as a mobile for extremely spoiled babies. Price, $10,000 to $15,000.

For the moment, the Bentley Bentayga SUV takes the pricey cake with its optional, self-winding dashboard clock, the Breitling Mulliner Tourbillon. For just $160,000, you’ll know it’s time for your psychological exam.

That winds us full circle to the Ferrari. How, exactly, does one stuff $109,000 in options into a car that just fits two occupants, some soft luggage, and a 3.9-liter V8? Hang onto your wallet and let’s do the math, starting with a stripper 488 GTB at its $249,150 base price. Or build your own here.

Carbon Fiber Everything