NordicDave
En-Route
I'm almost finished with my PPL. Was in a 150hp 172, then couldn't fly for like two years, because they sold them off. Bought a 182 to finish, and I wish I would've just gone that route to begin with. My insurance is $2214 through Starr... $1M/$100k $125k hull. Its got 1305lb useful, 92 gallon tanks, and cruises at 145ktas, so it's actually usable for trips while also being a nice trainer.
Curious which model is your 182? If fixed gear, it seems about a $1000 high.
I did half my training in a 172SP and then transitioned to a 182P. For me, really glad my first pattern work, landings, and solo was in a 172. I appreciated the added simplicity at first. After that, adjusting to the higher rate of acceleration & speed, constant speed prop, and absolute necessity to use trim while working through the pattern to land was better understood after transitioning from the 172. 182 is just a fantastic airplane, good all round performer. The cabin size along is worth it. The the front seat area is 3" wider with a higher ceiling, and back seat area is 50% larger than the 172.