A dedicated 3D printer is for making parts, brackets, miniatures, and prototypes that actually last. You want a sturdy frame and a heated bed so you buy the right machine once instead of upgrading in six months.
Late autumn brings deep tech sales because manufacturers drop new models just before the holidays. That is your cue to grab last year's proven version bundled with extra filament reels for the same price.
That 15-month intro window is a strict deadline, not free money, and any leftover balance after it ends will trigger regular interest charges on the remaining amount.