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Can it be both!?
Well mine is! It just sounded like you were considering moving for primarily financial reasons which would be a bad reason to move IMO, but now you've expanded it sounds a bit like you're already checked out a bit :)
Fox-
I think it's mostly driven by financial concerns, we've resigned to probably stay put for the moment, might not be the most financially beneficial, but then again it could be, because it's damn cheap to live here, and if we were to have a kid and I lost my job we could probably struggle by, both not out of the question in the next couple of years from where I stand.
Polygon
Can it be both!? We always thought it was probably a 10 year house at most for us. Since moving in the list of changes we'd like to make, or have to make has grown, but most of them are not gonna increase value, just make us more comfortable. We wouldn't be here long enough for general price rises to pay for them. Same logic applies to a loft conversion .
I have to admit it doesn't meet our needs in a few ways, especially as we're using it differently/here all day now. Wheeling a muddy MTB through the kitchen because there's no rear access for example doesn't do wonders for domestic relations.
*Edited because humble brag