I do fine with non wire bras, and because I still experience changes, it'd rather do not want to spend that much for a bra that has to go to Goodwill in a few weeks after purchase. Most women seem to complain about the uncomfortable wear of underwire bras, at least all the women I know.
Right... if you don't need them, then why use them.
However, speaking just for myself, if I do use something I find it worthwhile to ensure that it's comfortable. If wearing it feels like torture then the question becomes how much is escaping from the pain worth.
And yes—many if not most people seem to just get something that sort of looks like it fits. Or continue to use a size and brand that once used to fit, despite changes in weight, muscle tone, posture and such.
It's also worth noting that shape differences in thin people are much less pronounced than in those who are overweight. That's one reason why fit issues seem to have increased quite a bit since the days when the average cup size was B.
I'm not saying this applies to anyone else, but to me personally good fit is the prime criterion, and well worth paying for. Provided one is in reasonably good shape it also helps make basically anything one wears look more becoming.