To set an engine up for use in an aatv is not complicated. You put a different governor spring on and adjust your air fuel mixture as well as your idle. Some people think if they spend more on the same parts as everyone else, their parts must be better. That is not always true. I am in marketing by trade. I even got a degree in it, and most of the time marketing is why you pay more. This community has done a great job showing new members where to buy commodity and universal items needed to build, maintain, and repair their machines for as low cost as possible. It does a great job steering people away from rookie mistakes like cheap Chinese bearings and chain as well as purchasing from places that provide poor customer service. I don't know why anyone would say "Your better off just paying more for the same thing." Of coarse I never thought spending well beyond your personal means was a good idea either and yet many people in this country have gone that route to the point of bankruptcy. I don't suggest drinking that kool aid either. It just doesn't make sense. You may not always be able to get the best price on something, but you certainly should never pay more than msrp.
l like to buy stuff and no I don't do payments!