Where are you based at? Maybe we can help you find a better priced shop.
I saved a couple thousand on my 530 by shopping around.

Also, check e-bay. The used boxes don't have a Garmin warrenty but
there are a good number of 430s floating around with people upgrading to
either 530s or 480s.

And in answer to your question, an IFR GPS does cost an arm and a leg.
Expect to sell a few more body parts too to pay for the database
subscription that makes it legal.

Helen