You can use any Xbox One as a dev kit, so the only cost should be developer registration.Quite right. It's thought of, but right now a developer's kit is still needed. But there's good news. From the official "independant developer publishing program" page:
"As part of our vision for enabling everyone with an Xbox One to be a creator, we absolutely intend to enable people to develop games using their retail kits. Right now, though, you still need a development kit! We provide two kits to everyone in the registered developer program. Additional kits, if needed, can be purchased."
You get two for free, so this shouldn't be a problem.