If you happen upon your "personal unicorn" contract, go for it if you possibly can get a price you can live with even if it's not ideal.
DH had searched for a VGF Feb UY 100-150pts for 3 years. He'd see a few VGF Febs now and then, but all were far more points than we wanted.
Shortly before VGF went on sale, there came a stripped 150 at a price we felt was kinda high but still way lower than people were guessing VGF would soon go for. Yup, our personal unicorn.
I told DH I bet the owner wouldn't wiggle much at that price. We offered $5 less than asking; they wouldn't go lower than $2 less. We said, "It's our unicorn, stripped though it is. We can pay cash. Let's do it."
We did and were fine enough with what most would say was a really foolish buy, given nobody but DVD knew what the direct price would soon be. No regrets at all given how long we'd searched.
If your unicorn appears, good luck.