For St. Thomas, all men have the same last end, namely, the contemplation of God. Note that God in relation to man is still an external object, despite whatever charity unites the two. It’s just that it’s so beautiful and wondrous that its study will consume an eternity.
So, if supernatural telos of humans involves enjoyment of an external thing, then much more so, merely natural telos.
Self-perfection then cannot mean any sort of navel-gazing while admiring your own virtues. It must be both a means to and essential part of enjoyment of riches, of nice things.
The point of virtue must be to prepare oneself for some exquisite fun and good times.