Sorry this is a big thread, so if long-term debt is mentioned as a concern, then yes that is always a factor to consider carefully. I didn't elaborate here, but am on record for how much my own FX conversion cost me. For many people converting to FX will be like mine, at least $5,000 within the first year, and then probably pile on another 5 or 10 later
But people can start FX like I did, D700 (nowadays probably $1400-ish, whereas I paid $3169) and the 28-105mm film lens ($169).
I recently sold my D7K so I am completely DX-less now, the D800E killed any use I had for the D7000. I've had two FX cameras since April 2012 and there is nothing like shooting two Nikon FX cameras, very very good and no compromise/no regrets. I would like a mirrorless D400 and may consider a conventional D400, but that's because I also do bird photography. For everything else FX is remarkable and yes I'm always shooting at the margins, where FX makes a difference as it expands the envelope.
The time thing I'm serious about, had yet another good colleague pass last week, age 61. Parents cancer (long time ago ages 66 and 58), brother has cancer, sister has cancer, my good shooting buddy here has stage IV cancer. Sorry to hear about your Mom. Enjoy life while you can I always tend to say!
I also meant to mention, the Nikon lab coat boys know what they are doing, they know photography, and yes it sometimes feels they are forcing our hand to go FX, what with all the gaps they are leaving in DX. Maybe a topic for another thread but I suspect Nikon is right, FX is the near-term future for us serious shooters as well as the 1 inch sensor, with DX filling the price/performance middle. The future of DX though has likely got to be mirrorless, and PDQ. Nikon 1 has great technology and if they can scale it up to DX mirrorless they can compete with Sony and Canon. But they are going to have to be quick because Canon has an M-2 coming with that on-sensor PDAF (which is one swoop will make it a great DX mirrorless camera) and Sony is about to release an onslaught which is going to be tougher to shrug off this time.