There are a lot of options for building a scope around a quality primary mirror. Most quality primary mirrors take quite a while to get into your hands - so you might like to choose and order a primary from a specialist maker and pay that off. That gives you time to save your dollars to build a good scope around it - either DIY or from a scope manufacturer. Spread the cost over a couple of years?
Unless you pick up a premium 16" mirror off the shelf or second-hand - then you are stuck with expenditure now!
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