What BC said...he knows what he's talking about...I'll go one step further and put a little more spin on it. If anyone's read my build, they know that if I can do it myself I will. I actually feel just a tiny bit of contempt (some people ((like my wife)) would call it jealousy) when I read some builds and do a running tally in my head of what it cost them to get to where they are. But you have to realize that some people actually have a little more jack to throw around than you or I do.I say absolutely not. If you save and pay outright...then you'll appreciate it all the more.
No fun doing it all at once! slow and steady and most importantly - as you can afford it!
I know its hard looking around this forum...but everyone is in there own circumstances. You just can't compare.
And although it may look like some of these rigs were created overnight...most were not.
Debt never made anyone feel good about anything.
Never thought about the wreck situation so good point.What if you get in wreck? IMHO and as stated above, I wouldn't buy anything unless you have the money, FJ included.
About a year and a half ago, I got bitten hard by the mod bug. I made some mistakes and bought some things I couldn't pay for. I'm still paying for them now. Take it from me; only buy what you can actually afford.
All of my purchases for the past 8 months now have been cash. You know what? It feels really good.
The question you should ask yourself: Is having a heavily modified FJ going to give you a transformational experience compared to just enjoying your stock one and slowly building it up as money (cash) allows?
This is all my opinion, but I speak from experience (mistakes).
Never thought about the wreck situation so good point.
I have the cash, but I'd rather not let it all go at once. I thought maybe a loan/CC would be a great option.