That's correct, I believe that a mod was made to allow for a bigger nosewheel which isn't too difficult to do, nor would it be expensive.
you obviously don't want a tailwheel machine, that wouldn't have the same problem
I'm sure there are more available like that.
As for changing the panel, it depends on what's there but it would not be difficult or "relatively" expensive to change what was there, it would almost certainly have most of what you wanted already and all you would need to do is perhaps add a decent transponder, that's very easy and one of those big GPS things with a NDSB receiver to provide you with that TCAS you wanted. It would still leave you about £60k change from your budget and you wouldn't lose half its value in 1 hour.
Main question though is why would you want to replace the cirrus you fly? You may have answered this already but it's a solid machine.