I got a second-hand Oculus DK2 which I paid £350 for in bitcoins around 2016.
It was worn, parts were missing, and it took me a week to set-up. The lenses were scratched and I have to use an interior cushion and extreme cable management in order to play for longer than 5 mins. Of course there's no controllers either so you can't play almost anything.
Buuuutttttt
It has allowed me to play Elite Dangerous in VR for 4 years on and off which is still just about my favourite gaming experience. I've got my setup down to about 3 mins, like a pitstop challenge, quick bong, grab HOTAS, load up spotify for background atmos and I'm in. I make the noise of the station gateways as I'm putting on the headset--- nwwwwooongggaaaaaaaaaaannnnnn like a five year old. It still feels fresh and like pure fun but then space and weed are my perfect psychological combo. Naturally over time you do notice the limitations and yearn for bigger/brighter/better.
My PC is only minimum VR spec too, then and even moreso now. To upgrade any further I would need a much larger outlay than just a headset so next I'm saving for a CV1. To me, ergonomically if nothing else, it will feel like a huge upgrade.
If you can find a game you love Vr does recoup its cost. At least it did for me.