panel, engine, paint,...
If you're building a 10- You're gonna want a dual axis autopilot.
AP-4-5k
SL30- 3k
GTX-327-1.5k
PS8000-1.5k
GRT/DYNON basic- 4k
that's JUST the base, no switches, breakers, wires, backup gauges, etc...
there's 15k
The -9 is the 2 person version of Vans XC plane (not the only 'good' XC plane but being non acro...) and while you could go cheap on the panel- Why invest years of ALL your free time to build something that is not mission specific.
Interior- 5k+
Paint-6k+
Engine- a constant speed engine/prop makes a lot of sense on the 10. I'm planning on a fixed pitch for my 9, but I would be hard pressed not to invest the extra $$ for the constant speed on the 10. Therefore the engine may cost you 18-20k but the prop and goodies could add 5-10k.
Just those variables add 35k+ to the price of a 10.
For what it's worth- I would consider the QB, the extra $ is an investment in flying sooner if that is your priority. Even the QB fuse will save many many months of time.
I was seriously interested in building the 10 as the "ideal" plane for me and my wife with the expectation of some bambinos in the future. After studying the costs and benefits- we decided that a 2 seater would be a good start- figure out how to use the tools, materials, understand the process. It would also make a good investment that can be used to leverage buying the 10; if and when we are ready to step up. I expect we will have 60k (potentially + 20%) invested in the 9 with 2-3 years (hopefully less than 3 years) of my time building the plane. The market is showing 9's selling between 80-100k with the odd plane higher or lower. Not a super duper return on investment, but certainly puts me a lot closer to paying for a 10 in the future. Plus I expect the 2nd plane will be quicker and better built than the 1st.
As I invest more and more time in the building process, I realize a few thousand here and there for exactly what I want in the plane is more than worth it in the long run because of the time investment I have in it. Unlike spam cans, where you get in and fly away- there is a real emotional attachment to the bits and pieces you put together that end up as a flying machine.
I also feel that spending the money upfront to put the instruments you want in the plane makes more sense that "adding" them later when you are more solvent. One- it always takes more time and ends up costing more money than if you did it in the beginning. Two- new gadgets come out all the time and never seem to get any cheaper. Three- the build process takes SOOO long anyhow, start planning and saving now. Four- you rarely have extra cash lying around that couldn't be put to better use.
Flying is certainly not a poor mans hobby- old cessnas and (maybe) RV3, and RV4's can be bought/built on the skinny- but certainly not the 10. You can get a used cessna 172 for a WHOLE lot cheaper. Not the same performance, I know, but a lot cheaper investment if that is your priority.
I felt the same about the 9 budget when I started. Now- fuggitaboutit; I WANT that dual GRT, SL30, PS8000b, TRUTRAK ADI II, comfortable seats for XC, nice paint, 3 blade catto FP prop...