You will save the $100 spent for a used computer within the first few months after going "Vector-only." From then on, Vector "makes" money for you, in the sense that the money you would otherwise spend on Window's crap is in your pocket.
I should probably note that Grannygeek, nightflier and retired1af are much more experienced than I and therefore their suggestions much more wise. Nonetheless, if you like both money and computers, a stand-alone machine is best. Hands down.