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My main character is boring. He owns everything Pegasus can deliver (including the Liberator and Cargobob, but excluding the Vestra) I had hacker-millions and was running out of ways to spend it. It was funny for about 10 seconds, but after that it I realized what a huge pain it is to find the one vehicle you want out of about three dozen choices, especially when you're in a hurry or under fire.
My other character has: Vestra (fast plane) Duster (fun plane) Speeder (if you're gonna want a boat, get a free boat) Buzzard (best value in the game) Cargobob (don't judge) Rhino Tank (for anti-tank-griefing or if I'm in a ****** mood) Dump (I have no excuse other than hacker-money funded it) Crusader (bought it by mistake when trying to buy the Cargobob)
I've always been pretty poor. Broke a million once, and promptly bought and modded as much as I could, an Entity. Then a couple weeks later came the Zentorno, which I fell in love with. So I decided to grind up to $500,000 and sold the Entity. Now I float around $600,000 most of the time. Problem is, I'm only 69, and barely have any mods unlocked, so pretty much every time I level up or win races (which is rare), I unlock new, significantly better things. So I doubt I'll be seeing a million for awhile, probably until heists come out if those prove to pay out decent.
On my two 360 characters I have everything but the Vestra & Cargobob, I too received hacked money over there and just starting buying like crazy, the list is a pain to go through and I can't tell you how many time I have accidentally called in the wrong vehicle when scrolling too fast. I wised up for my PS3 characters though, plus no hacker money so I just bought a Frogger and Buzzard for my guy and just a Buzzard for my chic.