Sorry I'll come in here and give an opinion as like someone said they are free.
As an amatuer astronomer who has been budget constrained for 30 years, my wife never worked full time, mediocre salary, haven't won lotto and had 2 kids and still have a mortgage you buy the best you can with what you can afford.
However thinking back over the years I've wasted more money on cars with little or no return and wasted money on my hobbies as well never being happy with what I had as I always had to settle for second best.
So in hindsight if I was starting out again I'd borrow $10,000 buy the best scope and mount I could get with the money and still have something of value to show for it after 30 years and in that time enjoyed my hobby knowing I had good equipment compared to all those other amatuers out there.
Happy star hunting.
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