If you're buying new, you're actually looking at closer to 3200$ without an optic. Say you would like to add a nice sling, a mediocre optic to it like some of the bottom range EOTechs and Aimpoints and some 10 round pistol mags, you're actually looking at around 4000$. How do I know? I'm in the process of putting one together and that's what I've put into my'n so far.
Lol i'm almost at the same stage of the game. I'm about 1400 in to the rifle, about 1200 to go on paying it off. then i'm going to be throwing a nice scope on it, a sling, a few extra magazines. I'm estimating my finished RFB set to be around 3800-4000


















































