I mainly started this thread so new reefers realize that they can't really skim out, and to get a good system running, even a 20G system as in my dream case, it'll add up easily over a thousand and that's going with bargain products too!
However, though the truth is Hard and Expensive the best way to mitigate prices in my opinion is by saving on three things: Lights, having your own DIY sump, and refraining from any Ecotech products (powerhead and main Pump- these alone would set you back $600+)! I think the bueaty of a 20g-30G system with a 15Gallon-ish sump is that you don't have to go with expensive lights in order to get sand level light penetration, and if any issues occur it's much easier to treat and reboot a 30G total system volume system then it would anything 40+ gallons!