At the risk of this descending into a Permit v Certified debate again, my Pioneer with a hull value of circa £50k costs £1600 per annum in insurance; cost is very much related to hull value. Without knowing how serious the IFR bit is it is difficult to advise further. As a general though rather obvious comment, a 180 hp costing 35 to 40 litres per hur in Avgas is or could restrict the available flying whereas something smaller and frugal will not only burn less but is likely to be cheaper in most other areas as well, except possibly hangerage.
A solution raised before is to buy into a decent group for your four seat IFR stuff and also to buy at the other end of the scale so as to maximise time in the air. If you don't want to buy an old(er) home build then look at those aircraft which were factory built but are now on a permit, eg older cubs, Jodels, Luscombes etc.