I have decided to push through to the end this time, and got to the ending that I wanted to avoid in the first place.
I played through Saturday evening, till Sunday morning after 03:00am, and finally got to the end.
However... after intense game play, and many hours spent to make sure that I don't get this ending, I just had to get the Greedy Ending again.
So I figured out that it doesn't matter how many Rubbles you have, it is about karmatic points, and how you play the game, as well as the decisions you make.
I almost had 300 000RU so that explains that-that is not an option.
In any event, the game play was wonderful, and I had a great time with S.T.A.L.K.E.R. once again.