While I understand your point about considering the bike's overall condition and the rider's skill level, we shouldn't dismiss the value of high-quality components, especially when it comes to safety. A worn-out headset, regardless of the bike's price or the rider's experience, can compromise the bike's performance and potentially lead to accidents.
Moreover, the choice of bearings can significantly impact the bike's longevity and performance. Ceramic bearings, for instance, offer reduced friction and increased durability, making them a worthy investment for long-term performance. They might cost more upfront, but their impact on the bike's efficiency and robustness can make them a worthwhile splurge.
However, it's not just about the bearings. The headset, as the integral part connecting the fork to the frame, plays a crucial role in the bike's handling and stability. A worn-out headset can lead to steering issues, causing unnecessary risks.
In the end, it's about striking a balance between cost, safety, and performance. While a seasoned cyclist might manage a worn-out headset, it doesn't mean they should. Investing in quality components can enhance the riding experience, improve safety, and prolong the bike's lifespan.