While i'll argue to death that there's a difference between "needing" something and doing it as an "enthusiast" (kind of like the "big kids" version of playing with truck in the sand box)... there's one fact that trumps ALL..... "debt free". You're making a good choice .

But i hope we still don't lose you as an enthusiast. At least make sure you let us help you out when you need some technical help!