Beer is my 20%, also. In fact, last night I had three, count 'em, THREE really good German Pilseners with my companion, and it was totally worth it
That being said...it definitely doesn't work to do that every day ;-)
I really like your idea of saving up for the good stuff. I have tried Michelob Ultra a couple of times, and it just annoys me... maybe this is something we can brainstorm together?