No argument there. Buy what you can afford.
Also, in my area, I don't see where I need to worry about anything beyond 100 or 200 yards. Even outside the developed areas, the undergrowth is usually thick enough that you will not likely see or identify a bad guy from any more distance. I guess there are probably more wide open areas out there where 500 yards shots are mandatory. Your location and the lay of the land in that area should be considered.
Also, in my area, I don't see where I need to worry about anything beyond 100 or 200 yards. Even outside the developed areas, the undergrowth is usually thick enough that you will not likely see or identify a bad guy from any more distance. I guess there are probably more wide open areas out there where 500 yards shots are mandatory. Your location and the lay of the land in that area should be considered.