Starting with an 8x10 and contact printing, I avoided the entire enlarger issue.
A lot of gear carried over from my 35mm kit. My bride made me a dark cloth using the instructions from Steve Simmons Using The View Camera
The film holders I bought used, I think they were three wooden ones for $40 or two plastics for $35 from Clayton Classic Camera, which ran an ad in Shutterbug.
I saved up for a 14" Commercial Ektar on the recommendation of a local old time photographer,
For printing I used a sheet of heavy glass from a Pier 1 Import shop,
Newlywed, I was on a super tight budget, it took a very understanding bride and maybe a year to accumulate the minimum. Since then I've upgraded and added items every year as the need arised.