Sooner or later you will want to go bigger, way bigger, once you do that, it's all over for you. It's best to get a new credit card and just give it to the LHS
At that point, the ARF's alone are starting out at $1400+
Friend of mine just completed a kit built 50% Christen Eagle. The last number I heard from him was roughly 9K, but I've flown it and OMG

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Here's a video, it's 8 minutes
http://gallery.me.com/bubbagates#100217
Then you have Bill Hemple's 50% Clipped Wing Cub that another friend of mine did
http://gallery.me.com/bubbagates#100203