FFF beat me to it, so I'll just agree with all of that, and add: the best answer when people ask you how much it costs to fly is "All of it".
When you know what and how you want to fly - and don't jump to conclusions, try as many types as possible first - the economics of a syndicate make a lot of sense, especially something on a PFA permit. You can choose either to:
a) fly something pleasant but modest for much less than club hire of a C172 / PA28, or
b) fly something with much higher performance for about the same hourly cost as a club C172 / PA28.