I feel your pain when it comes to cost, it has taken me 4 years to gather the money for a V8 swap. During that time I looked at a lot of other options. In the end, I am doing it because it is what I really wanted all along. I even looked at a direct swap for a 505 performance built 3.8l, but in the end I knew I would not be happy. Life is to short not to be happy. So here I am, waiting for her return from the swap.
Something else to think about... If you do a V8 swap, you don't necessarily need to regear. Just my two cents....