don't recall knowing anybody that had one either. By this picture http://oldcomputers....99peripherals.jpg found here http://oldcomputers.net/ti994a.html you'd need a lot of desk space as well ;)
The high school I attended had a bunch of Commodore PET computers and my first computer was a VIC 20 that I received for Christmas in '81 (though I did pay for half of it). The summer of '82 I got very lucky in that somebody my dad knew gave him a 24K RAM cartridge plus a multi-cart adapter to give to me. It allowed me to use it with the Super Expander (extended BASIC + 3K RAM)) to max out the system memory. If I recall correctly, the 24K cartridge went for $200 and the adapter was another $50. Without that I doubt I'd have been able to write my initial BBS software on the VIC as I wouldn't of had enough RAM.
By the time I got a 64 in '83 I was working, so it was easier to invest in - especially since I was still in high school and thus living at home. One I moved away to Houston that became a tad harder as other expenses were a tad more important.