With certain registered libraries (free or commercial) it is possible to get full Kontakt for £224 via the crossgrade. Of course you have to buy the commercial library first or search out any free ones that allow you to crossgrade.
Over the last few years, there have been reports of the crossgrade price coming down even further than that, so it might be worth investigating.
ftr. I used the old demo version of Kontakt (that timed out after 30 minutes) for about 10 years before I could afford to think about buying it.
I purchased NI Komplete 10 for around £470, 6 years ago. That took me several years to make happen but was worth every penny. Since then I have purchased some sort of upgrade for £70. So it’s cost less than £100 a year for a the whole bundle, not just Kontakt.