Things on my bike that will probably break or wear out in the next year (about five thousand miles):
* the crankset and/or BB
* 2 chains, 2 cassettes
* 2-4 sets of brake pads
* 1 set of pedals
* 1.25 sets of tyres
* cables
* grips
The whole thing will probably need servicing in a shop maybe four times, and that will cost a fortune. Even servicing at home costs money. Even cleaning it costs money.
Things will wear out over a longer period too, like forks or the saddle, and so you have to factor in a bit of that.