good analogy Michael.
When picking a router, think about what kind of work you are going to be doing. Are you going to be using it for several hours a day, or just a couple of times a week. Are you going to be making a lot of raised panels, or just do a lot of small cuts.
I have multiple routers, and each one does one thing better than the others. I have a laminate trimmer which is great for detail jobs, a 1.5 HP router which is good for most general routing tasks, and a 2 1/4 HP router for the heavier jobs. I've used a 3 HP router in the past, but it's size and weight was an inconvenience at times.
HP can be confusing when comparing machines however. My router is 2 1/4 HP, but my table saw is 2 HP, and I know which machine is more powerful. My Shopvac is 7 HP, but the motor in that is tiny. Look at the rated amps of the machine. Higher is more powerful.
If you're looking for a router for general day to day stuff, I'd look at any of the 2 HP range multi-base kits from Hitachi, Porter Cable, or Bosch. They provide a lot of versatility for around $200. If you're going to be doing production work, get the $150 3 HP hitachi M12v.