Overpaying only becomes a issue if you buy a machine and play it for 6 months then want to sell it and get another title. Thants when u have to watch every cent u pay. But if u plan on keeping it forever, or at least the next 3 or 4 years, then paying a supposed extra $300 to $500 doesnt really matter, cause prices would have probably risen by then and you will recover your costs. If u are making two hundred grand a year, whats a bit extra for a machine, but if u are only making 40 grand a year it becomes a issue more. Its all relative which someone else said.
Even if u sell a machine a year or 3 later, and if you lose 10 percent or 20 percent, who cares, its not like u didnt get a thousand or two thousand fun games out of it. Always getting your money back is never going to be realistic. Thats how i look at it.