Even with a killer app, VR isn't gonna be mainstream anytime soon. PC gaming itself is expensive and niche as it is.
OP, if you have a decent enough PC and have the funds available, just buy a Rift/Vive and try it out. Send it back if you don't like it.
You'll either forgive what they lack in resolution and get on with enjoying the experience or you won't.
If you don't have a PC, don't buy one just for this. Get one if you want a gaming PC anyway.
I think you're right and I'm going to do this. Once NVIDIA release a card, I'll just buy one and if I find I can't get it working in my setup, return it. Its just deciding if rainforest is the best place with a good returns policy.