OK, I'll bite again:
Databases: Current databases are not an IFR requirement. If you like
that panel candy 430/530/CNX80, great; but don't use the cost as an
excuse. KNS80 and a Garmin 196 do not need regular updating. Update
your handheld 1x per year: $50.
Charts: $300 per year from Aircharts.
Plane: $150 every other year for pitot static check. I can check my
backup vacuum prior to T/O.
Overall, $500 per year is a pittance compared to the overhead required
to maintain the plane.
My Comanche 260B gets me there with the best of the singles crowd, but
the difficulties you point out are precisely why I decided using my
rating was more goat-rope than it was worth, to keep me, the databases,
the charts, and the airplane all IFR-current.
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