What would be sad would be buying a home that proves to be too much of a strain on the finances, or as they say, become "house poor". That can happen by buying a house that costs too much, relative to one's ability to pay for it.
Whether one overspends on a house with a mortgage, or by depleting one's reserves in order to pay cash, the result is still a lot of stress.
If one can afford the house, and still have resources left over to comfortably pay for the other things in life that need to be paid for, whether it's a cash deal or an affordable mortgage payment, there is no need to be "sad".
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