Hi Tony.

I would try to find a bargain. Perhaps on KVR trade section, (KVR->Forum->buy and sell) "second hand" sort of speak. The transfer is fairly easy process, takes a day. You have to register with kvr(free) to search forum and ask sellers. Usually you get things "second hand" 30%-50% cheaper than retail. I bought several titles from there, never had an issue. Just look how long person had been on KVR and their selling history to be safe.

Better yet, I would look into "Komplete" which Kontakt is a part of, but has great many instruments that are not included with Kontakt.., that you might want to buy as a separate things anyways, which would cost you (far!) more if bought separately. Similar idea with BIAB. A little more money will get you much further.