Insurance does not cost more, training does not cost more, these are myths. When I bought my Travel Air my insurance first time up having a total time of 60hrs with a PP and no IR or Multi Rating was $1100, that was half of what my insurance guy could get me covered for in a Bonanza, I needed 25hrs, 15 dual 10 solo, and to do my ME rating in the plane, that's not particularly onerous. Once you have 100hrs in a recip retract plane less than 6 seats you end up with an insurance premium that's 1.5% of insured value regardless if it has one engine or two. When I got the 310 insured first year it was $1700 on $100,000k value and the insurance company required that I do an IPC in the plane, that's it, again, not onerous.