I'm in the same situation as you D:
I love FF... but paying that much for it. I can see myself affording it for a while, but it would suck so bad to get into the game and realize, damn I'm out of money... can't play anymore and wasted that money for nothing? >.<
Kind of fear that situation...
Then wait until the holidays and see how people are reviewing the game, especially those who've also played FFXI. MMO subscription fees are dirt cheap once you realize working 3 days at a job with a super-crap wage will last you a full year of gaming. All you have to do is decide to have fun with it, and take it from there.