I know and understand what pursuing my favorite hobbie on a limited budget is. I also hate to buy something, only to buy a better product 3 or 4 years later when I can "afford" it.
My advice to you is save your money until you can buy the one you want and then never have to buy another.
I have looked through the Nikon HD 80mm, the Zeiss 85mm, as well as the Swarovski and the Leica. I must say the Nikon and Zeiss where very comparable to the Swaro or the Leica.
I am a finatic when it comes to optics. After using less than the best and later having the opportunity to use the best in the field, I can't stad using crappy optics.
If your main goal is inexpensive optics, the go buy some at Walmart for 49.99.
I'm not trying to be rude, it is just that when it comes to optics, you truely get what you pay for.
Good luck and best wishes. In the long run you will be happier to have saved and bought once.