Financially I can afford it don’t worry. I am currently student loan free with a lot of money saved up, so there is no worries about that. Would prefer not to pay in full though if I didn’t have to.
Honestly it is harder to find a seller rather than anything else right now xD.
Bingo. That is the high end struggle! Never enough supply to meet the demand. I know this thread is already loaded with advice, but currently no one is selling. Even at great offers, owners know if they sell they won’t get the card back or they will pay a new premium.
Good luck and just be ready when one appears! 