Dear Nandric,
the normal discriminated Audiophile saves some money to get something he wants. When he bought it, he saves money for the next, step by step. I don't know many audiophiles who bought a top analog System in a very short time. The definition of "top" also gives lot of room for endless discussions. A outstanding Phonostage which amplifies the signal without adding electronic fingerprints, distortions, colorations is even today very rare. There are a lot of them out there, but at the end of day, only very few are really outstanding.
Same with Arms and Turntables. Cartridge is not such a big deal.
Each his own of course. when I started in the 90's as a poor Student I compared a lot in Dealer Demos, friends Systems and I also had good knowledge in my area (Record collectors). Even when I had a simple Roksan Turntable for 1.5k (complete with Arm and cartridge) I had a 6k Phonostage for it. Never had frustrations. Always a System where my guests had no hurry to leave.