While I understand what you're saying, and agree, my problem is that I cannot afford to persue the hobby nearly as fastidiously as I'd want to.
That, and my wife would leave me the day I wanted to put an antenna in the yard, because it would "embarass" her.
Well, many work HF with a wire antenna strung up in a tree. Many in restrictive areas use stealth antennas, like inside antennas in attics and such.
You can buy a basic VHF/UHF radio for around $200 new, or a VHF (2m) for under $200. You can buy a very nice basic HF radio like the Icom 718 for a little under $800, or buy an older HF radio (like a Yeasu 101 series) for pretty darn cheap. They won't be nearly as fancy as the latest radios, but they will get you on the air.
I currently operate an Icom 208H for VHF/UHF. I'll often tote my powersupply, transciever, and antenna out to my truck on a nice evening for a couple of hours of ragchewing on the local repeater...sitting in the bed with the magmount antenna stuck on the cab and an extension cord running out for the power supply.
Our station was W4WGD, 2A, SC. Anybody work us? We worked just about all of the eastern half of the US, from the Minnesota-Iowa-Missouri-Arkansas-Louisiana line east.
I didn't talk on the HF during field day, but I logged for a couple of operators...we made plenty of contacts, running an Icom 746 with a wire strung up in the tree...started a couple of pileups on 80 meters, and worked some on 40 meters...I was at our club's setup from 7:00pm Sat to 4:00am Sun morning, then I had to go home and sleep b/c I had to work Sun. afternoon...I would have stayed at our station. We tried for a satellite contact, but something was screwy with the bird (we have a member who knows a lot about sats)
Needless to say, I've got the HF bug bad now. Gonna pick me up an Icom 718 after I get my general, which I am hoping to take soon. Gonna try for Extra, too.