And then there's the part that can't be calculated: being settled. For me, that's the clincher and paying more to 'own' can't be put into numbers. Having gone from rented where my LL (accidental) was a pain in the **** and then sold from under me, to not having that issue is lovely. Nicer because I don't have my wife going on and on and on and on and on about buying.
Each to their own, but finances alone can't be the major issue - life is for me.