Chaps and Chap-esses (?)
I've owned both the 480 and now a 206. They are both fantastic machines. The choice of which one is "right" for you is an individual one. I operated the 480 for two tears quite happily but needed that extra seating capacity hence the move to the 206.
I cannot slate the R44 as I've never owned one or even flown one, but my recommend is still the 206.
As for writing out big cheques on a 206, I haven't had mine long enough to have a bad experience, but if you buy it right up front, you should be minimising the chances of big bills later. Either way, it's a heli, and heli's cost money to operate. End of.
If anyone wants an owner operator comparison of a 480 v 206, just ask or PM me.
Joel