jhm –
I would think really hard about the options before getting the rifle. I have picked up half my rifles used at great prices and never have to worry about finding special components to reload them. If you are “fiscally challenged” as you state, a standard rifle is a better deal in the long run, even if it costs a bit more.
Personally, its like the Remington 721 - I wouldn’t spend $100 on one. If someone gave me one it would get traded very quickly.