Cheer up, Chuck. Winter will be over in about 6 months in the Dakotas...
Seriously, one of the best things you can do to improve your enjoyment of the hobby is spend a little time improving dust collection. Not just because the health nazis say you have to or you and your family will die a horrid death, but because it is just no fun having to clean up messes. And nothing can make a huge mess faster then power tools.
Chuck has a good suggestion; an hour or so tinkering with the way your contractor TS collects dust can save you alot of time. Plus, it is more fun to make something (ie. table saw templates to block air flow) then to repeatedly sweep up (and breathe) dust over and over. Add a baffle plate to the back with cutouts for the motor belt which sticks to the back of the saw with magnets (be careful, a couple of members here bolted the baffle plate in place, and then broke their TS trunnions when they tilted the blade without removing the baffle plate). Add a baffle plate to the bottom with a 4" hose connection to connect your DC to. If you are really ambitious, replacing the bladeguard with one that collects dust will help too.
Go for a 2HP canister type DC; they move alot more air and are alot better for your health. The Grizzly G0548 runs $499 delivered; I think it would be worth it to stretch your budget a bit to get a full 2 HP and a filter.
You could also just buy a 2HP version with a bag that is in your price range (G1029Z is $334 delivered) and spend $150 later to get a filter. The downside of this is that the G0548 is a much better machine, and the solid rectangular plenum between the motor and the bag ring adds a lot of stiffness, and will improve airflow and separation efficiently quite a bit.
You NEED 2 Hp. Honest. And it is not just a Tim Allen thing.