Someone may come on here talking about 30 year life spans. That is something that IS happening in Europe, but it's not widespread in the USA (yet). The USA is getting closer to it but, only certain bottles are eligible to be considered for a 30 year lifespan and they have to have a special test performed which comes at a high cost. In other words, it's not worth it for private owners.
If you decide to get a compressor and start filling your own CF bottle, it's your choice whether to use your bottle beyond the 15yr lifespan. I would still recommend getting the hydro test performed at year 5, 10, and 14. This should cover you until the 19th year. Although businesses still should not be filling the bottles beyond the 15th year. Some people do and some people don't. I'm one of the ones that doesn't.
If your budget won't allow for a new bottle, a used bottle is definitely a good option that can save you money in the short term. Dalmation fire sells used SCBA's to fire depts across the nation. Since they're selling to FD's, you could imagine that they might bump the price up a little. But, they might be a good reference to gauge how good/bad a deal is since they sell bottles with almost all levels of life left on them. Years ago, I found a good deal on a 30 minute bottle and filling setup at RLairguns.
Tom