If I were you, I'd just pay the full amount. It's better to buy it and not have to worry about possibly chargebacks. I talked to the vB marketing team and they told me ANYONE can make a chargeback at ANYTIME. Even after 2 yrs or later, which is why I say BUY YOUR OWN!! I now can get my licences brand new for $149

I'm not quite sure about that...
For one, I believe only the BUYER can make a chargeback, not the seller.
So chargebacks aren't really a problem if YOU are the one purchasing the license from someone else, its actually a good thing in case someone decides to scam you

And about being able to make chargebacks at ANYTIME - I think that buyers can only make a chargeback within 90 days of the purchase (Assuming PayPal was used).
Speaking of chargebacks, if you are using E-Gold, be sure that the person you are buying the license from has a high reputation and a respected member. This is because E-Gold doesn't support chargebacks and leaves the buyer and seller responsible for the transactions.