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These kinds of threads are a waste of time since you have to make so many assumptions.

The OP should worry less about other people's budgets (most of us have jobs and $100 is trivial when it's the difference between playing the games you want the way you want and getting a system where you play the waiting game or simply don't have access to the games you want).

As for saying "Well get a PC" there are console games that never come to PC so it's not interchangeable with an Xbox One. It doesn't matter for example how much you save on a PC since it won't be playing the latest Forza this Winter if you're a racing game enthusiast and that's the next gen game you're waiting for this year.