
I'm part of the first category, so coughing up 500+ bucks for a orchestral library is not reasonable. For anyone willing to go pro, that could be seen as an investment for the future, but that's not my case.
I recently purchased 2 cheap libraries (compared to the pro standards) that, put together, provide a cost-effective mix of articulations and sound quality. They both run on the free Kontakt Player, are reasonably gentle on the CPU and storage, and cost less than 150$ each.