We have 6 in our first group and have never had any availability problems.
If you have £20k and £5k per year why not hook up with someone else and get something a little bit nicer and then share the bills? Or save half the money? Or make sure it is nicely hangared and well maintained? It is very rare that an aeroplane is always being used, ours spends 2% of the year in the air.
We have minimal group rules so it really is like owning your own aeroplane but instead of the annual costing £2k, it only costs £333.
I share my other aeroplane with one other, so that £28,000 engine overhaul was far less painful than if I owned it outright
From past experience, unless fabulously wealthy, I'd never own a plane or boat on my own.