There are two meanings for the word "luxury" when it comes to an automobile - the "it's a luxury" in the sense that it's not a necessity, but a "nice to have", and then the type of vehicle that is a luxury vehicle - i.e., designed for quiet, comfort, class, the sense of luxuriousness. Speaking of Ford, you're actually wrong - the Ford GT is over 100K, it's actually five times that, but it's not a luxury vehicle in the latter sense of the word. It's one of the least luxurious experiences you could have driving a car.
In any case, what counts as an "expensive" car is always going to be relative, but 100k seems like a pretty reasonable barrier. I'm a car nut and I've never spent close to 100k on a car. Maybe someday I will, but I kind of doubt it, and if I ever do it won't be more than once.
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