I went through similar thoughts on whether or not to pick up a Quest 3 and after having one for 8 months I’ve not regretted it. The Quest 3 is a great all-rounder if you’re looking for something accessible but also capable of PCVR.

The one thing I will say is accessories are often overlooked. You’ll want to replace the headstrap with a better one. A battery pack if you want longer sessions. Wear glasses? Prescription lenses. A Wi-Fi 6/e router or better if you want to wirelessly tether to a PC for PCVR (plus the costs that come with a gaming computer).

While accessories may appear optional. If you’re spending a load of cash on the headset, then sticking with a subpar experience seems silly. So research what you intend to use it for ahead of time and budget for what you feel is necessary.