I think this article is good in the respect that it brings up things that a neophyte might not consider.
However, I think one important thing to consider in budget is SCALABILITY. How much will it cost me over a period of time. For example, a nice set of LCRs may be purchased with the idea in mind that they would become rears when budget allowed for what they ultimately wanted as fronts.
Not all things can you do this, but, it saves money in the long run.