On rift its very easy, there you can work with the platform sdk and avatars etc etc. Anybody can quickly sign up as a rift dev and start working on titles. So you can go 90% with coding and testing on rift. For the last 10% you will need to be approved in order to work with the quest. If you dont want to use Oculus Avatars or the Oculus Matchmaking then you can even work with the quest. Just set it to Lan for example.