>

I mean the family’s country estate was more than just implied, as they spent the entire finale there.
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he talks about his salary in the books, it was a fairly modest civil servant stipend, plus an unlimited overseas expense account . >

Seeing as how the glamorous stuff is often part of his cover, that makes sense for a field agent. Often he's infiltrating exotic locales and targeting higher society individuals. Can't have the card declining undercover.
Though I do remember that one scene in Quantum where he forces his MI6 wrangler to let them stay in a more upscale hotel than the dump she took him too, to the point he revises their  cover story to teachers "that just won the lottery".
I think he has a bit of personal wealth too from various occasions. The Aston Martin DB5, for example, belongs to him, not M16. On the occasion of his retirement, he seems to be living well. >

In Skyfall it’s implied that his family was wealthy.