"Go into debt" seems like a terrible idea compared to just making due what's already there. My kid puts rocks on the counter. The old laminate doesn't shrug it off, but I sure do.
If it's not an investment, don't go into debt. And a premium finish is not an investment, unfortunately. If you sell soon, you won't recover the cost. And if you sell down the line, it will be out of fashion regardless of how well it physically held up.
By all means splurge on yourself if that's what you want! Just don't justify it by framing it as an investment that you should be taking on debt for.
If it's not an investment, don't go into debt. And a premium finish is not an investment, unfortunately. If you sell soon, you won't recover the cost. And if you sell down the line, it will be out of fashion regardless of how well it physically held up.
By all means splurge on yourself if that's what you want! Just don't justify it by framing it as an investment that you should be taking on debt for.