I felt the the same way until I surrendered to the fact that with a Rohloff and belt, Riese & Muller bikes really do check almost all the boxes except two, price and weight. After that first R&M bike, a Homage Rolhloff HS, arrived my riding became a daily occurrence, weather permitting. I was looking for every opportunity ride, it was such a pleasure. Every ride put a big stupid smile on my face. The pleasure of riding such a steady, well equipped, comfortable, unique and well thought out bike made the pain of having paid so much fade very quickly. It put me on a track of loosing 30 lbs and resulted in an amazed cardiologist when after two years of riding, my ejection fraction climbed from 35 after my heart attack to 45. he tagged me with the nickname "miracle man" How do you put a price on that?
I am not saying that a Riese & Muller bike is the best choice for you. But I would urge you to start at the top of your budget range and even if it hurts, when the final decision is made and you have to go beyond that number to get what your really want, do it. Any misgivings, will be quickly put in the rear view mirror as you ride and you will have a bike more likely to keep a big smile on your face too.