Even if you can afford an Index, it's out of stock, and it's not likely to be available again until February.
Yeah really sucks. I ordered mine early december and got it delivered within a couple of days. Then it become out of stock. Really lucky I just impulse bought it out of no where.
I'd suggest people grab a Quest and wait for the Index to come back in stock. The Quest gives something to VR no other VR headset can anyway.