"...fixing a rusty old truck will nickel and dime you to death..."

Yeah , I started out with "Let's just make this bucket roadworthy so I can enjoy it." - now I am in the "How did I get in this deep?" zone.

Reminds me of a single panel cartoon I saw in a magazine years ago -

A man is standing at the counter in an auto parts store. He looks tired , greasy , frazzled. In his hand is a radiator cap ; he is showing it to the parts guy.
The frazzled guy says "I need everything except this for a 1965 Ford Fairlane."