Whizz. From one who has "been there, done that" (more often than I care to think about) I now find when I get the urge to acquire an aircraft, I take a Bex with hot Milo and a long lie down.
Regardless of what scheme you may have in mind to mitigate your real costs - cross hire to clubs and/or flying schools - if you can't afford to write off/lose/burn/throw away $20,000 to $30,000 per annum, don't even think of buying an aircraft. Any aircraft!
My two cents worth!
Sunny Woomera