I asked a similar question back in January of this year. Cost mattered, but I also was willing to wait/save to find the right gun at the right price.
I decided to go with the M1A (with some great wisdom shared by a few on THR) and I am very glad i went that route. I got my brand new M1A for $1200, plus About $800 for the SAGE stock assy, so thats $2,000 last I checked. I decided to spend about $400 on mags, but you can always acquire those at a slow pace if your money is tight.
Remember, when it comes to buying things and good deals: If there's one, there will be two! So, start saving your money, and looking for the package you want.
I'm not nocking the FAL product, or the AR-type either. Someday, I do want to add an FAL to the collection, but the gun-grabbers got me spooked, and I wanted to ensure my right to own a proper battle rifle ASAP.
Going cheap is just that, save up enough $ to buy what you want, you'll be happier in the long run. I still haven't bought an optic for it, but they aren't very likely to restrict optic sales. My order was: gun, mags, ammo, optic.
hope that helps, and good luck!