It's always worth the thought...
I had a 300+ rwkw RB25 that was leant on for 3 years, which I then replaced for $1000 with another that is still going strong
you can do this 4/5 times before you come close to the cost of a build, and when a built motor lets go, you just blew a LOT of cash.
just food for thought... you can always build later if you decide you need to be in the 400 club