Aside from me being a working pilot.
Not having a IACO license is a killer, I'm by Canada and not being able to go up there is a big deal.
Not being able to pull a IFR when needed is also a pain
Being limited to low HP and low weight would not allow me to fly my 185
Not being able to fly at night WILL suck, just give it time
Not being able to transition B and C will become a PITA given enough flight hours.
Also the last annual for my 300HP 185 amphib was less then yours
All about owner assist and keeping on top of things.