Well, being late to the scene, I'm considering buying a little sc unit from butterfly labs but I have my concerns about profitability (in part because no deliveries have been made yet and no effect can be seen yet).
However if it is still profiltable after a few months I would buy an asic unit and start mining as a first time miner.
(I have a laptop with internal video card for the moment, i even tried cpu mining a few months ago hehe..)
Never too late to start mining.Just get what you can afford & reinvest the mined BTC in another device & so on.Eventually you will get to a more profitable point.
Thats my thinking for my situation,but,don't put in what you can't afford to tie up for at least 6 months to a year.
I like your thinking Meatball,thanks for sharing

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Exactly personally I re-invest about 20% of what I mine into new hardware. . . seems to keep my income increasing so far.