Beg to differ. I hope the down payments are regular!
None of the reasons you named refers to me, haven't you seen the pic of my system? Nothing will ever change. Soon enough I'll add a sub and I'm done. I don't change gear.
The reason that comes to my mind for keeping it is learn how to use it and charge other people to set theirs. Of course the miniDSP needs to stay plugged in, but all else... when I'm done... no use.
Anyway, there's a huge discount (hals the price) on the Behringer that
@highfigh mentioned. But where would I go from its 3pin XLR...