I agree with these 5 things. Though my dog needs a coat for the winter because he gets too cold without it (he's a short fur dog), he doesn't get some sort of fancy coat, just a simple cheap one that fits him, is comfortable, and keeps him warm. Same with the beds, we just get cheap comfortable beds for them, especially since when feeling mischievous the dogs like to tear apart their beds, so we'd rather not spend a lot of money on it. We are guilty of spending money on special treats during the holidays, but that's a very rare thing, and we only get a few.
Strollers I think are absolutely ridiculous for your dogs unless your dog was disabled. Otherwise, your dog is supposed to walk, that's what keeps your dog healthy and happy.