>>285682730
I'd put off buying a headset if you don't have one just now, especially if you're low income. Don't worry about asking though, we're kinda hoping more people will get into VR. 
Anyway, you should put it off because the entire world is exploding around you, and you should be stocking up on essential supplies so you survive the current year. Besides, all the headsets are made in china, and so stocks are basically zero of any headset worth buying. You'll need to wait anyway. 

Don't buy a headset on loan either. Save up. 

When the world recovered (august probably) and you have stable employment again, Go for the Rift S. 
I'd ignore the quest, since it's a meme. The link cable shit just works slightly too bad to be worth using. 
As for the Vive Cosmos; it is currently the worse headset on the market and vive should have been too ashamed to release it. 
WMRs; Odyssey+ is a solid entry level choice. There's a new HP one coming out... later this year which might be good. No idea since all we have is a picture of the thing.