Are we talking the ANVS HUD? If so, call me crazy. I was an NSI in the fleet, so I wore it A LOT. I'm an NSI in the reserves, and for my recert - I had to talk my instructor through it (even though I wasn't wearing it). TERF/NAV route? Money. Externals? Money. Cals? Not so much.
So for 2 of the 3 regimes you're describing, it's money? Doesn't that mean you mostly agree with me?