Payments are best left for houses in my opinion. I could see payments on maybe even a car or truck even, but not on a toy. What happens when you put the 300 hours on it and then need to make payments and pay for new parts? I agree with Swift here. Buy what you can afford, not what your neighbor thinks you ought to be able to afford, and if your neighbor is rich, don't try and keep up with their toys. Doing so will lead to a life of unhappiness and debt.
l like to buy stuff and no I don't do payments!