When the day comes that I realize I am so wrapped up in the consumer aspect of Christmas, and have no time for the real meaning of the day, I will stop celebrating the secular/consumer aspect of it. Until that time, the decorations, trees, gift giving, and celebrations you are referring to, are an expression of the joy of the great gift of God to mankind in the Incarnation. Most of those things associated with the secular celebration have their roots in Christian tradition (St. Nicholas/Santa Claus, decorative lights, Christmas trees, greeting cards, gifts, etc.)
Do I think the consumer aspect is over the top. Yes. But Christmas needs to be seen through the eyes of children, the wonder, joy, and happiness they experience is something I would miss out on if the secular nature of Christmas disappeared.
Besides, it is a great teaching moment for little children.