Well, my rule is always that you should only ever finance cars, houses, and college. Because these things are generally so expensive as to make financing necessary. Unless you want to save up $50k before going to college or save up $400k before buying your first house. Good luck with that.
But there are always exceptions. Say your washing machine or your stove dies. Well, you kinda need those things. If they break at an inopportune time financially, well, okay, the smart thing to do is finance that. Or for instance you could spend your life driving 15+ years-old used cars that you only ever pay cash for. That's my current mode of living, but I gotta tell ya, I'm getting pretty tired of driving old cars. Quality of life kinda stuff. So I'm probably going to finance my next car.
But something like a Vive and its associated gaming computer/peripherals? Uhhhhhhhh, financing that is just dumb. It's not even slightly a necessity. Just save up the money. Some would probably say "Oh, it's credit-building," but it's probably actually detrimental to your credit score in both the short- and long-term. If you open too many lines of credit, and/or the average age of your credit lines is too low, that hurts your score, regardless of whether or not you've never missed a payment.