I don't think I'm mixing what I wish for compared to the reality of what is...
No I can't speak for 422 people..
I can only speak for this here 423rd person typing this post.
I'm quite pragmatic.
I have always followed a strict personal policy of monthly setting aside EXACTLY so much "mad money" saving it or spending it for whatever I want.
If suddenly it was stated right now that the total was needed... complete payment in weeks or a month or two... even...
totaling $1500 or $1700
I'd be hard pressed to justify the pint of blood...dipping into other funds or using clean empty 0-balance credit cards (I absolutely loathe credit cards and the companies ...a (barely) necessary evil in my opinion)
My policy is that I don't make exceptions to my rule of how much more I can add to the top of my personal "mad money" ceiling...
since some other area of necessity starts to take the hit.
And if I started doing it for a neo...why not other things as well..eh?
( I'm pretty pragmatic, as a consequence of my stern pragmatic behaviour I am beholden to no man, company or outstanding bill or debt of any kind ..whatsoever..everything has been paid in full..When I die..no one will be owed anything. I'm one of the last "free men" so to speak...can't say it doesn't take effort )
wouldn't like it but..odds are I'd leave the race...
Knowing vs not knowing when roughly final payment is due means everything.

It means I can realistically budget and afford it
or
It is unrealistic, impossible and cannot continue financial support toward a purchase of a device and must drop out of the race as well ...
plain and simple.

So yeah it isn't wishing...it's assessing ...it's calculating.
I'm sure others will be doing likewise.