First off, the "big box" stores figured out fat bikes were a thing pretty quickly and had knock-off, "fat bike-like objects" produced. These were a cult favorite for a bit, but it didn't take long to find out for many that these were sub-par for the fun at hand. Heavy, laden with cheap, easy-fail parts, these rigs are not going allow you to realize the best experience on a fat bike, or on a bicycle period. They are essentially throw-away toys.
Then you move into what I call the digital realm of commerce. There are several on-line sources for fat bikes that range in price from $400.00 to over a thousand dollars and as you start to dig into the spec and geometry on these bikes, you find as many things to dislike as there are to like. Parts that you might be unfamiliar with, like bottom brackets, hubs, or brakes are glossed over in the spec sheet with generalizations or omitted completely. This is because, well.....the bottom line is that most of the time these parts are sub-standard bits. Are you one to wrench on your own stuff and enjoy massive upgrading? Then these can be fodder for that, but the vast majority of fat bike curious folks will not be this person.
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Once you start getting into the $1000.00 and up price point, you have a couple paths to diverge upon at your disposal. Here you will start to find used bikes that were much more expensive and high quality at good prices. Used Pugsleys, Mukluks, Specialized Fat Boys, and more start to pop up. There is always the risk that you are buying someone elses problems when you buy used, but I've seen good deals go down on the used market place. If you are a beginner, you may want to have a bike-smart friend check out what you are looking at first on the used market.
The other path, of course, is the bike shop, and you start to get into some very nice equipment and the newest, cutting edge fat bike developments. There are a few things to understand when you start looking at new rigs, and this goes for used as well. In the next post, I'll start to dissect what the differences are and why they might matter to you as a first time fat bike buyer.
But before that, let's answer our question posed up top. In many ways, whether or not you like fat biking will be predetermined by the first bike you get. Cheap, sub-par fat bikes may do more negative than positive in terms of encouraging you to push and find the fun in fat biking. Then again- you don't know what you don't know. If that is the case, you'll be amazed when and if you ever get aboard a higher quality rig. In the end, I've never heard anyone say they spent too much. Poor quality is always remembered long after the price is paid, so keep that bit in mind.