Hob,
There is a world of difference between tournament legal and tournament competitive, Magic tournament legal could be a $10 starter deck but no one would call it competitive. GW is a higher buy in cost but the difference between legal and competitive is a lot smaller (army dependant) Xwing is somewhere inbetween
Not at all.... You can have a competitive list in this game for less than $130 easily even buying at MSRP, and probably even $100 if you so desired. That is incredibly cheap for a minis game. If you think $130 USD is a lot to spend to be competitive, at ANY game, you have a distorted sense of what expensive is. If you buy from discounted places (like MM and the like) I think you can pretty easily be competitive at around $80.
The world winning "biggs walks dogs" list was $145 retail, heck its cheaper now (115) that adv sen comes in a 15 ship and not just a 30.