I bought a Mimaki because I don't think print and cut in the same machine is a good idea. In addition, I think it is a bad idea.
As far as cost, I tricked myself into looking at smaller printers first, then once I had climitized myself to that amount of dept, I thought about all the 3' and 4' prints and banners I wouldn't be able to print, and then I figured out how much more per month my payments would be.
I forget the number now, but when I reduced that difference in monthly payments, it was something like like one smallish job that I had to bring in each month with all that extra potential, and I was able to push myself out of fear of the greater debt, because I really believed the financial benefits of the bigger printer would far outweigh the additional costs.
I was right!
Think like a business man. If you plan to make money with a printer, get the best printer for your business... not the best printer for some imaginary financial restrictions you may be imposing on yourself, because that's just like a client buying $50 black and white internet magnets that will draw almost no business, instead of $400 custom vehicle graphics that could bring $4000 in additional profit every year.