Coronado PST

Man, I have got the fever and I have never even looked through it. I didn't
realize it had an H-alpha filter in the package (it does, right?) I just
made
my Dob purchase, but in the future, would it be a waste to buy the PST
when you can buy a regular refractor and just add the filters? One, I have
heard that it can damage your optics, and two, those filters seem to cost
four figures. Am I missing something here, or is the PST the only
affordable
way to view the sun in all it's glory (most of it anyways)?
Thanks,
-Tom