I'm in the same boat kind of. You could be looking at anywhere in the vicinity of $200 to get all those parts no? If this figure as a set goes for $250 it'd be hard to think that saving $50 by opting for parts is the way to go. I already have OC Bats, and paid a premium for it, but I'm looking for all sorts of reasons to pick this one up too despite funds running a little low. It'd be easier if I was genuinely broke, but I have a few options (cancelling other pre-orders, selling on a figure or two, keeping my ragged jeans and tatty shoes for a few more months etc).
The awesome Bruce Wayne HS I can actually do without - but those interchangeable mouth pieces and the posing/mood options they offer is hard to pass up. Having a back-up suit with back-up pegs and the rest of it is another reason to put an order in.
And there we have it. In the face of all common sense pointing to passing on this one, a single post was all it took for me to convince myself that I should be picking this up. It's already done.