Serious question....
Should I take a loan out for this amp?
I've wanted it for years now and want one so badddddd.
What do you guys think?
Short answer: I wouldn't. The difference between the BHSE and other much less expensive energizers is much smaller than depicted on this forum, though real and meaningful. Get something within your budget and start saving.
Philosophical answer: Don't fall into the trap of trying to keep up with people who have more money than you. You will always be unhappy. Find a way to be satisfied with what you have and get joy from it. It is how almost all of us start in this hobby and is more than enough for most.