cheapest way is to make friends! i am one of the ones with all the gear, snowmobiles/atv/fishhouses….and have the creditcard debts to prove it! i like having the toys, but my friends make out best of the deal. i pay for the toys, maintain them, pay insurance, summerize and winterize them, and the list goes on, and all they have to do is tag along! expensive for me, cheap for them! you are active enough on the site you have to have some contacts with the equipment! use theres! thats what my friends do. i would say around rochester you wouldnt need a wheeler, unless we get a crazy amount of snow, which will be unsusally from years past. millacs and anything more north you will want to have one! i think $150-200 is the going rate now no matter where you go. again, make friends its cheaper!!