That can be part of the fun. Years ago I wanted a Monster Miata (V8). By the time I had the money, the company had gone under (very interesting story about that for another day). One of the guys that worked there started a company selling a DIY kit. So I went that route. I had a V8 Miata, but also the bragging rights to say I built it myself. I enjoyed the time as I built it with my dad. Some of it was hard work, but I didn't think of it as a hassle. If I worried about the money, I'd find a cheaper hobby.
Soon I'll get my non-XR. If I ever think it's not enough of a Monster I'm pretty sure I could fix that. This time I'll get to do it with my son. The time will be precious, and given I've enjoyed some good fortune since my V8 Miata days, I'm sure I could make it more extreme than the XR package.