I would pay 100quid a year for unlimited access to a sim that I could use for realistic instrument practice. Instructor time is more difficult to work out, I would not want an instructor as I don't need instruction on this stuff just practice. If someone was doing an IMC rating and got weathered off then a sim loggable or not is a good way of practicing this stuff and an instructor would benefit that. But if they are weathered off the instructor is not getting flying pay anyway and in a sim they are not at risk so I would expect a much lower rate.
Very difficult question to answer, trying to keep all the peope happy all the time!