@Lostspark: I just spent $2,300 on a sheitel
Not taking the sides in this hair-raising machloket, just a practical suggestion if you consider being machmir in this avoda zara a priority: borrow an esrog for several years (savings, say, $150, $50 for a kid per year, use your own numbers going forward), sell your black hat, spend vacation with grandparents (post-covid), teach one kid at home instead of private school. You might even have money left for a couple of nice tichels!