@BoulderBulls hit the bullseye. Plus, I was applying for two people, me and Matthew. I was building a CPA firm at the time, using a lot of my after-tax cash to pay off an office building. For marital harmony, it would have meant giving up a lot of my less expensive applications that resulted in many great hunts for other species in other states. Just a function of having to prioritize and forego some items I couldn't justify.
I know this might seem strange, but I was not willing to give up my out-of-state pronghorn and elk apps for a chance at a CO sheep tag. And my "Big 3/4/5" dream was always bison, which I've lucked out and took one in MT and one in UT. I'm sure the sheep junkies think I'm crazy, but if you offered me a Colorado sheep and goat tag, but I had to forego my antelope hunts from 1995-2015 (period of firm/building pay down), I would decline the sheep and goat tags.
Had I been able to front as much money back then as I can afford to front now, I surely would have started in CO for the big 3. When I got the building paid off I was behind the curve and it made the analysis less appealing to jump in.
Edit - I was also sure I would draw a Montana bighorn tag by the time I was 40, even without a point system at that time. I'm no closer to drawing that Montana sheep tag today than I was in 1995 when I decided CO moose/goat/sheep would be a sacrifice in my out-of-state hunting applications.