Bummer re: shop time. I know the feeling, no kid, but work kept me out of there for long periods of time. Thankfully I don't worry about that much any more.
Yup, metal or wood, $400 will buy a lifetime set if you don't hold the "new" condition paramount. I don't have much in my basic bench planes, even my favorites. Molding planes and my Old Street smoother... a bit more than $400 Perhaps add a zero...
I would love to make myself a panel plane, but I'm helpless with metal. I even took machine shop two years while in high school, but I have no talent for it. I have thought about a kit, but there again, no metal skills. So the only way I can get what I want is to buy one. I've been into infills lately, not sure why, but I'd like a panel to go with my new infill smoothing planes (bought two in the last little bit).
Your endgrain is like your bellybutton. Yes, I know you have it. No, I don't want to see it.