Since you're asking on the FIREARMS
Forum, I think you're probably going to get a lot more gun answers than golf answers.
However, you already have that Swift for varmints. I think you'll really like that AR upper as long as you don't try to compare it to your Swift... which means you'll likely be disappointed in the upper.
I understand what you mean about never wanting to lose. You can't find any dice in my house anymore because my wife pretty consistently USED to beat me at Yahtzee. Not anymore.
Unless you can find a used set that fits you perfectly, I think you'd be best served by swallowing that big price tag and just buying those clubs.
But definitely save the rest of that bonus for those "opportunities."