~ $34K?
One of these days, I want to have capability to know what to do with something like that if I buy one.
About 10% less than that, plus I bought it from a tax-free state

Estonias are listed in piano buying guides as equivalent to American Steinways and high end European pianos, but costing about 1/3 as much.
I was to the point where I knew I had the capability to start taking advantage of a high quality grand. I also have the desire to continue playing and improving for the rest of my life. On top of that I'm young and single, so I decided to spend the money while I still have it. It's still a ton of money to me - more than I put down on a car+house combined. You can always sell if you have to. They do depreciate like cars, but not quite as dramatically.
I think the hardest part is that it's an investment in yourself - you have to practice a lot to get something out of it.
Having the ability to play at that level is within anyone's reach. Sure innate talent factors in to some extent, but everyone gets to where they are by practicing - a lot. I'm hoping to put in ~2 hrs/day now.