TRUST YOUR JUDGEMENT
Dorothy and Herbert Vogel amassed a significant art collection with very modest incomes. The Vogels would buy directly from the artists often making small installment payments. http://en.wikipedia.org/wiki/Herbert_and_Dorothy_Vogel
The collector Josef Hirshhorn, trusting his judgment, made quick buying decisions. Freund quotes Hirshhorn saying "If you've got to look at a picture a dozen times before you make up your mind there's something wrong with you or the picture." http://en.wikipedia.org/wiki/Joseph_Hirshhorn
If you trust your art-buying judgment I will work directly with you ANY way I can. If you are not yet confident you will be greatly assisted dealing within the gallery system. Galleries and dealers can, and do, provide expert advice, counseling and selection.
Your collecting budget will extend significantly further if you're willing and able to deal directly with the source.