Sure, decent means lots of different things.

Knowing what I know now, I'm confident I can build a very good LeChump Mustang for under $7k, but, what I know now came at a heavy price over the last couple of years. I'm sure Steve E could bust out a RX7 LeChump for reasonable money, as could many other racers build a pared down version of their IT car. Granted, the IT version is ultimately more expensive, but for even $7k to $10k I could have an IT car that would be podium capable.

From what I understand the time and money just isn't that much different, certainly not orders of magnitude different.