Vince R
Pre-takeoff checklist
Long story short....
The more advanced and the more expensive the airplane is the more it will cost when it breaks....
Stick with a 182 or Bonanza and stuff stays pretty basic. Not sure why your buddy spends so much maintaining the Cirrus? They must see him coming. Find a good honest mechanic! My local mechanic charges $600 to annual a 172 and $800 to annual a Bonanza. Yes it will be more if problems come up but most annuals stay around that mark.
If you buy and own a plane yourself why put up a maintenance pot??? If something breaks deal with it then. If I had to pay myself everytime I fly one of my four airplanes I would not be flying... That is just stupid. Its like renting your own airplane. Do you put $500 in a pot each time you drive your car 1000 miles? Half the people you get comments from here have never owned a plane and know nothing. They just like to talk.
Once I actually take the plunge, I'll probably manage maintenance as you describe, but that's not my immediate concern. To borrow your auto example, there was a time when a luxury car buyer could choose between Audi, BMW, Mercedes and Jaguar - with huge differences in quality and maintenance cost. I'm just trying to make sure I don't end up with the 1987 Audi 5000...