If you can't afford to play the game, you can't afford the car ...
buying the raptor (or the Jeep) is the cheap part.
Most people will also look at a "healthy" build and all they pay attention to is the price of the parts/kits.
Guess what? if you cringe at supercar owners spending $1000+ on oil changes, a set of tires running $2500, or a brake job setting you back $2000...
a heavily modified raptor, a prerunner, or any other offroad hobby vehicle is NOT for you.
No one wants to have a cool truck, that is sitting in the garage, for months or years, because you can't afford to fix/maintain it.
Certainly not trying to scare anyone away from a Raptor, merely illuminating the point that you absolutely have to be prepared/budget to maintain any fun/hobby vehicle. Desert vehicles are certainly on the more expensive side to maintain properly.
It is also worth weighing what many "upgrades" mean in terms of maintenance.
Getting race-quality shocks rebuilt regularly ~ $2500-$5000 depending on what they need. ( 2 coilovers, 4 bypass shocks, 2 bump stop cans)
Running "race" tires ~ Unless you are part of a race program, KR3s tend to go for $500-$600 per.
The RGO for a currie rear end is about $100.
All fluids should be changed after you take the truck out.
The time it takes to torque check, mark, and prep the whole truck is either an investment of your time, or you paying for someone else's.
Lastly, Don't worry so much about keeping up with the Jones'. (OMG I saw person "xyz" on Instagram and he upgraded his truck to have this and that. i NEED IT.) No one needs a 1000hp V8 and 86 inches of suspension travel to get out into the desert with like-minded people to have some fun.
You can have fun in ANYTHING. The secret to a happy life is to want what you already have. It makes me sad when people buy a Raptor and for whatever reason, think that you can't have fun in the truck, go on runs, or just enjoy it until it is "built".
Having fun with Raptors is about sharing time with like-minded people. Budget for your truck, budget to have fun that you can afford and get out into the dirt with your homies.