I don't because the bug bit me in 2004.
FWIW - you can get over the "Expensive" AR thing by building one yourself . .it's dead simple and it has the attraction of being able to buy one "part" per paycheck to spread out the cost. (Building them is DEAD simple). If it was me I'd order a stripped lower for $120-$130 then when your budget allows the next "payment" buy a lower parts kit for $65-$110. Your next purchase would be your stock (collapsible or fixed).
You can then take a breather for awhile and when you get the urge spend $100 or so to pick up your Bolt and Bolt Carrier Group. The only part that can take some special skills to build yourself is the "upper" and they're not that hard, but if you don't want to do it you now have the choice of mail-ordering a pre-built upper or building your own . .if you build your own you can break those purchases up as well.
Just my .02
Regards,
Dave