Two-thirds of the cost of an inverter compressor often pays for itself precisely on electricity, that's true! But focusing on a two-year period is still kind of weird - a fridge works for roughly twice as long anyway. Over 10-15 years of use, the savings on electricity bills will be quite noticeable, especially if you have a modern apartment and your fridge runs frequently.
As a pediatrician, I see a completely different aspect - device reliability! A regular compressor works on the principle of "on-off," which creates huge stress with each startup. An inverter one, though, smoothly adjusts its speed and practically doesn't experience any stress. My parents bought a fridge with an inverter compressor eight years ago, and the thing has been silent as a fish ever since! And my neighbor with a regular fridge has already called a repairman twice.
So from a financial perspective, the overpayment will pay off, but that's not the main thing. The main thing is peace of mind that the device won't break at the worst possible moment, when your fridge is full of food! I'd recommend not skimping on an inverter compressor, especially if you're planning to use your fridge for many years to come.