You must prioritize your life. Some things are a waste of time and money, while other things are essential. If you live on a hill in the desert southwest, paying for flood insurance for your house is a waste of money since a flood is not likely to happen. However, fire insurance is necessary since bush fires are a constant threat. Most people will never face a self-defense situation during their lives. Therefore, toughening your hands until you can punch trough a brick wall is useless and a waste of time and money. However, martial art training for good physical and mental health and for enjoyment is a good investment, with the useful side-effect that if a self-defense situation does occur, you will be prepared for it.
Stay with basic, useful karate training and it will be useful to you in all aspects of your life.
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