Don’t buy an expensive big ticket item; save your money and put it toward a nice treat for the person who loaned you theirs.
We all love to own our own gear. But when you're trying out a new realm - tarps, quilts, UL packs, etc; you'll learn more using any make and model for a weekend trip than you ever can in the store. Does a hammock work for you? What was your personal temp rating in that quilt, how much food can you fit in a medium bear canister, etc. You'll avoid some purchases all together and be a smarter shopper if you opt to get your own.
I don't aspire to have the most gear around. I aspire to be the guy you love to loan your gear to. I bring your truck or boat back full of gas. I return your rifle cleaned and with the 16 unfired rounds of the 20 I bought. If I borrowed a tent, it was hung to dry in my garage and then rehung a few times (in case there's moist fabric in a crease), and folded carefully before being returned. Why do three Alaskan friends EACH need two canoes, 3 kayaks, a PLB, two VHF handsets, a river boat, an ocean-going boat, a Zodiac, a rifle, a shotgun, two ATCs, three snow machines, and a beach truck? Enough Alaskans go bonkers on the motorized transport, that I specialize in human-powered watercraft, safety stuff, and in UL gear. Between us, we can outfit for a wide variety of adventures.