I outfit all my hobbies with used gear. I was brought up that way. It's the only way I know how. I've never bought a new camera, although I am kinda warming up to the refurbished market. I just bought a refurbished Garmin Epix 2 watch that replaced the Garmin Venu that bought on Goodwill for $60 and wore for 3 years. If it weren't for used stuff, I'd still be wearing a Timex and probably wouldn't have taken up photography.
I got into digital photography when I retired in 2020. Between 2020 and 2023 I had 32 lenses pass through the quiver. I tried everything I could find in an EF mount for <$700. The thing about used gear is that it doesn't depreciate much. If I'm smart enough about it, I can try a lens and if I don't find it useful, sell it for about what I paid for it and buy something else. And I shot with all of them. If you need a review of an EF lens, I probably have some thoughts and could share some shots. A few I bought just to flip when I saw a deal I couldn't pass up, but the goal was usually just to break even.
Mirrorless broke the bank. Selling all the EF stuff I had left only paid for about half my RF conversion, and there was hardly any used RF inventory on the market so I was paying top dollar for used gear.. After trying all those EF lenses, I came to the conclusion that I mainly use the trinity lenses. I run with the 3 f/4 options plus a 100-500 now and probably will until I die. Mirrorless cured my GAS.
But even with mirrorless, paying retail is dumb. RF lenses are sturdy. If it make it through the first year of use -- and I don't mind a little evidence that the lens has been out of the house and exercised -- it should last 10 years or more if it was treated well. Buying one in the middle of its life is way, way, way cheaper in the long run. A little riskier, sure, but not really.