I guess one of us has some cognitive dissonance here, could be me! I'll try again.
1. I could buy a Cessna 152, Tomahawk, an Ercoupe, Yankee, Cherokee 140, or one of many other certified two seaters. $20,000 is a guideline, not a line in the sand.
2. I choose not to because it limits the role I can take in maintenance, equipment choices, and more.
Also, and I think this is the part that you and Dago are stuck on (and I appreciate your responses, btw) is that the annual cost of maintaining a certified plane at the same level of safety is higher than for an experimental. Why would I choose to pay more when I've already made the decision to be a homebuilder? Since I won't be the guy who built the plane, I won't have a blank check in what I can do to it, but I'll sure have a lot more options. For example, I'll be able to have a bunch of friends from the EAA come over to do stuff, something that's not an option with a certified plane. Maybe i want to replace the wing with the higher speed one? Maybe I decide to change the engine for a single rotor wankel to do tests on the technology before I commit to one in my less forgiving (in terms of off airport landings) Cozy canard? I'm a sign-off away from either of those. Not so with a certified aircraft.
If either of you disagree with the above statement, please tell me. I don't think I'm a wild-eyed idealist here, as I see it, I'm making a level headed decision to take more personal responsibility for my safety.
Hey, it doesn't hurt that it looks like a fun plane to fly into grass with that has a big cabin!