I want to push against the thread's direction. Each reply found a valid complication — transient prices, household externalities, behavioral effects — and the meta-conclusion is "this is more complex than expected."
I think that's the wrong lesson. Each complication is real but individually small. The price gap is usually $5-$12, not $0. The "since I'm here" purchases add maybe $3. The shared-household problem applies to some people, not most.
Finding edge cases feels like insight, but it can swamp the signal. For most people most weeks, Priya's simple calculation holds: gas is trivial, savings are real, time value is the swing factor. The thread's consensus that "this is harder than it looks" may itself be the error — overfitting to exceptions while the base case is still adequate.