I know what you mean about cost. If I could do it ne way I want it everything would be gutted and everything done in aluminum with no wood at all. I've got basic plans drawn up and know how I want the boat to look in the end. I'm still figuring out my storage, livewell, etc... a quick run down of what I have planned so far
Repainted solid color with new stickers. May be the original Lowe stickers or a Gamakatsu sticker (only hooks I use, plus its a good looking sticker imo)
Front deck added with storage, trolling battery/spare battery stored, maybe a livewell/bait cooler.
Rear deck covering the battery, gas tank, bilge
Both front deck and rear deck along with the floors I would like to be rubberized, or something non slip and ez to clean.
The bench seats I want carpeted with 2 seat mounts on the back and 2 or 3 on the middle one. I don't want 5 seats in it, but I like options. Keep 2 or 3 seats in the boat and they can be moved as needed, where needed. For seats I am looking at the camo print ones from cabelas, kinda waiting to see if they make a fishouflage version.
I plan on a small switch box for lights, bilge, etc.. and a couple outlets to plug spot lights into. One on the switch box (or control panel) and one up front. With the fishfinder mounted somewhere. The location of both of those items is still a mystery.
For lights I'm looking at a couple blacklights, and a couple of the green lights, along with the running lights.
On the front deck, and somewhere on the back deck I plan on mounting 2 electric winches for anchors. Take the cable off them and put rope on instead. Mount them behind what I call an "anchor buddy". This will make anchoring in certain positions while by myself a lot easier. Harbor freight has 2000lb electric winches for 50$.
Also adding a few rod holders, maybe 9 total. We are allowed 3 rods each and typically fish 3 people in the boat.
I'm just buying stuff I want for the build and putting it back. So I can do it all at once. I have the decking materials, the anchors, control panel box, some of the lights, and other stuff. The good thing about it will be that everything can come out hardware wise and be put in a larger boat sometime in the future.