JClosed, I totally understand. I recently bit the bullet and upgraded to the full Kontakt player and it opened up a world of affordable (and sometimes free) samples. (By the way, on NI's US site, Kontakt is $399 USD, not 399 Euros. Still expensive, but a bit better at the current exchange rate.

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I guess the choice is pay for more expensive products that use the free player (or their own players), or pay one time for Kontakt and then have access to the lower-priced options. People's situations and needs are different.
For me, I acutally did not need most of the bundled content that comes with Kontakt because I had other soft synths/VIs; however, I use some of the free content and many people on this forum swear by it. You could make great records with nothing but the free Kontakt content if you had no other soft synths.
Anyway, some of the smaller companies (like Bolder Sounds and Noisefirm) are making great stuff if and when you decide to go with the full Kontakt. And both of these companies offer great support. Not sure how they afford it.
If you do make this choice at some point, feel free to send me a PM if you want me to share anything I learned along the way. (I'm not that smart, but sometimes I learn a few things from my dumb mistakes!)