I’ve been dealing with this nonsense for quite some time, I don’t have a lot of patience for people who aren’t in the same boat telling me about fantasy numbers. I know MY numbers that I’ve seen in my family. We’ve gotten off light sometimes, and heavy in others. Overall though, all these cost quotes people tell me are about 1/2 of what it’s cost IRL.
When you have a homestead you’ll get the opposite of what you plan for: If you think it’s cheap, you’re gonna be ass raped on expenses and breakdowns. If you plan for the worst, then you’ll see those choices pay dividends over time.