Unreal does 3D environments so well that movie & TV shows have started using it to construct their backgrounds! You do need a pretty good computer to run it well, though. Since it’s free, you can try it out on whatever computer you have at the time and see how it handles.
And yes, a new VR headset is pretty expensive. I actually tried to extend its life, rather than replace it, but the headset just says it’s not gonna last much longer. At least I should be able to afford it pretty soon.