I am saving up to buy a Hinderer now, and love XM-18s to death. I have owned the 0562, and they are different knives. I like them both, but would always go for the XM-18. If I am going to spend money on a pure WANT (as opposed to need) object, I have no problems saving up and spending silly amounts of money (responsibly) on them. I would rather buy one knife I really want, than three knives that are ok. Because I am only going to live so long anyways, and if I am learning restraint and working hard to save up, why not?
That being said, I have owned 4 CRKs, and still own 3. I sold my 25 because I just wasn't feeling it. Mostly that asymmetrical stop pin that you have to mark with a sharpie or get just right. It was a small thing, but if I am paying that much for a pocketknife (pure want), then small things are ok to nitpick over. I love the Umnumzaan, my small Wilson Combat, and my brand spanking new large plain insingo. The large insingo is probably the most utilitarian knife I have ever owned; I love it.
So, my advice is to budget and get whatever will be fun to carry around. You can always sell it or lose it or whatever.
Edit: Also, I just got a SnG and it is outstanding. Strider is another fun brand to own. Didn't like the PT, haven't tried an SMF yet, hated the AR.