OK, so I love mine. I actually spent a bit more to get the guilloché dial. If I had a bit more disposable income, I would have tried for a stunning Moscow edition as well. The model line is clean and smart.
Now, if you are retired and expect it will take 10 years to save, I would offer the following:
1. If you hunt a bit, you could snag one at a lower price.
2. But even then, you're still a ways off and won't get to enjoy wearing something now.
So I would go vintage. Vintage VCs are an incredible value. If you spend a bit of time, you'll discover a number of spectacular time-only vintage VCs out there. I keep stumbling upon them, and each time, I want to buy. You can easily find them around the $4K range, which should get you some amazing jewelry on your wrist in short order.
Becareful, you might find there are several movements, metals, styles, and dials that tickle your fancy. This site has a number of articles and guides that will get you smart in no time. I would suggest you get smart and settled before you buy, to ensure you get the right one. Then again, the good news is, for the same $20K, you'll be able to pick up a few, giving you options to fit your mood.
If you need help on sites, let me know, I'd be glad to send my long list of sites your way.
Oooh... Now I've got the bug and will have to go window shopping.