Anyone want to talk me out of...

There is a story about going to your bank, getting a crisp new $100
bill from you account and walking out to the parking lot and burning
it and if that doesn't bother you....

Since you're buying a Mooney, let's alter the story a wee bit:

1) go to your bank and withdraw FIVE crisp new $100 bills from your
account

So are you saying that a Mooney is more expensive to maintain then any
other complex aircraft? I would think that it would be less than a
Cessna retractable gear (because of the gear complexity) or a Beechcraft
retract.

Manual gear Mooneys are very inexpensive to maintain (personal & Mooney
list experience). Electric gear Mooneys are more, but not near as much
as something like a Bonanza.
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KR