I don't think there is really anything wrong to collect (apart from fakes ofc) depending on one's means and what makes people happy.
I think when many of us started collecting we wanted 'the full package' with koshirae. Then we start to appreciate the blade for itself and go in one direction or another (koto, a particular Shinto or shinshinto school etc.) It's all part of the journey. I think Jon hasn't made a bad start to this journey!
As for the argument that one should save for a better sword; I agree in principle but this commitment often comes when you have a direction of what you like and hence save for. Also, there's no limit to this argument, I.e two midrange shinto can buy you a decent koto, two decent koto could buy you a low mid range juyo, two low range juyo could buy a high end juyo or TJ, two kidneys may buy you half a signed Kiyomaro etc..😉