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Personally I rename them to something meaningful and they get merged if there are no other references. PayPal is especially bad for completely meaningless rubbish in the payee field and they tend to be ad-hoc purchases so I don’t fiddle with them much. The category is the most relevant bit for me.
My take (having neither but building a NAS in the background of other jobs) is that if you don’t need the rack, don’t buy the rack. If you already have a NAS and you really want to play with the power that a rack would give you, go for the rack. If you don’t need it don’t buy it, simple as.