Which is why I just went in with a PA28-161 for my once a month 400ishNM trip. Yeah 100KTGS with a headwind sucks, but with a mission profile of 97% solo with a bag, it's like a limo in there. I can still pack in the passengers for the one in a million chance of a leisure flight with tanks at the tabs, and it still makes a very comfortable cruiser for one + the significant other with bags for the weekend and the bag seat for stretching room/flight pubs repository. I just completed said X-C and got a tailwind both ways, so for all intent and purposes I flew an Arrow this weekend for the price of fixed prop fixed gear fixed insurance fixed..you get the point. Like hitting the lotto lol.
I agree, people tend to overstate their 'mission'. Granted, at the OPs price point, overstating the mission seems not to matter, but for us lowly working stiffs with more talent than money, it pays to undershoot our 'mission' by a good 10%. To each their own of course