Unless we have something we want to buy and we need to safe money, always use the money for investment.
Which means rare books, guns, magic items and real estate.
The vow of poverty is indeed liberating. Money you will not keep, money will you not left behind.
Dwarves are basically OCD and focused to their craft, professional to a fault.
As many male can attest, when you're in a buble, in intensely focussed state of craft and career, no amount of female flesh can deviate you from your goal.
It's an impossible what if, but what if one day a dwarf was born with the life goal of 'spreading his seed, repopulate the karak and multiply'.
Basicaly if Tyrion Lannister was reincarnated in the body of a WHF Dwarf.