Maybe you guys have some advise or sales tactics I can use to get my wife on board with me buying it? lol...the cash isn't the issue, it's that my wife and I typically run a tight financial ship every month and she will simply tell me that I already have purchased a press that makes my ammo and I do not need to make duplicate purchases.
Stash $50-75 a month, even if you have to do it $10 at a time.
Before you know it, you'll be looking at enough cash to cover the 650 without impacting your monthly account balance.
As for the 550...
In today's market full of auto-indexing 5+ station progressive presses, the 550 gets a lot of negative attention. ...But it's primarily from people that have never used one (or people that can't be bothered to feed bullets and cases with their own hands).
I can
comfortably run a 550 with manual case feed, manual bullet feed, manual primer refills, a standard powder hopper, and manual indexing, at 250-300 rounds per hour. Once solidly in the rhythm, with pre-filled primer tubes, I used to average about 415 rounds per hour (while still visually verifying every powder charge, spot-checking powder charges on a scale, and spot-checking COAL).
The easiest way to describe the differences between the 550 and the 650, in my mind, is:
With the 550, the press operator is still part of the process and the press won't make ammo without you.
With the 650 (and the common upgrades), the press operator is very nearly just an organic press arm actuator.
I really liked my Dillon 550 while I had it.
But, in today's market, I'd probably buy a Hornady LNL AP or RCBS Pro Chucker, instead. It would mean that I couldn't meter flake powders as well as with the Dillon powder measures, but I can change powders and the overall investment cost is cheaper in the long run (once you get into caliber conversions, extra tool heads/LNL bushings, powder measures, etc.).