IF, and that's a big IF that only can answer...
If you are mechanically inclined look around for used saws. Dealers a lot of times will have some in the back they've either acquired or repaired for whatever reason.
You'll have to ask, they're likely to not advertise a used saw when they can sell you a shiny new one. On the same hand they're usually glad to get them off their hands.
I was in the exact same boat as you. Looking for a saw and there was a big difference between $350 and $400. (This was considering another $100 bucks for this and that's...count on another $100 new or used within the first few weeks. Chains, files, guides, oil,
CHAPS etc.)
I ended up with a used MS460 with a new piston/cylinder for right at $350. Have not regretted it. I would have much rather found a 440 or 310/390 but beggars can't be choosers...who knows, I may have missed the extra torque in these red oaks and hickories.
To date, (about a month) unexpected costs have been a new bar and a new brake band. About $65 worth. A one year warranty is all you get with STIHLs and if you're like me you plan on that being 1/5 to 1/10 of the saws life. You decide how much that warranty is worth...which goes back to how much time you've spent as a kid with a wrench and greasy hands.