Unfortunately most people would say look at me, I’ve got a massive house and turn me knickers inside out 3 times a weekHow? Most people, most, would mortgage to what they could afford but have no control over the rate rises, even with a buffer, a lot are as 'maxed out' as it is.
Others have had no real alternative to 'aspire' (remember that buzzword?), than to over reach on their financial capabilities. To say 'plan for it' is disingenuous and reeks of arrogant, uninformed snobbery.