A used cluster is a bit of a risk - most will suffer from fading pixels when warm, so no way to test before buying.
Add the cost of coding, if you don't do it yourself, and cost of actual cluster.
Sure, if you send it off, you can't use the car, but I'd just treat it as a broken clutch / timing belt, in which case, you'd find a way to get around till it's fixed. I'd prefer the inconvenience of the car being laid up for a few days, at least I'd know the cluster was fixed.
I also get the clusters repaired, and warranty is 60 months (5 years). LCD is replaced. No programming is required, as the IMMO microprocessor is untouched, and is therefore plug-and-play. Never had any issues to date with the 15-odd I've sent out either.