My PC is absolute shit by modern standards, so I don't expect it to run any VR games at all without some upgrades, and I'm at the point where I think I'm going to have to upgrade to a newer motherboard and CPU which is far too much money for me to do right now, especially with VR hardware on top of that.

Because of this I am looking at the Oculus Quest. Is it as great as it looks playing games standalone? I've heard a lot of complaints about comfort, is it really an issue? Can it be fixed cheaply?
I also have a PS4 already and could get a PSVR for around £250 (Quest costing me around £400) is the PSVR a valid option anymore? Is it more comfortable? Am I missing anything vs the Quest?
Also how is piracy with the Quest? I know you can sideload but I also hear that you can get you Oculus account banned. Does this ban the headset itself? Or can I just make a new account? What is the account even for? Just the store?

In brief summary PSVR (£250) or Oculus Quest (£400), what buy?