I'm not dissing your efforts at all LMH - you've done superbly. my comment about money and time is general, and just think what you could perhaps achieve without the worry of money or work.
it is however all about priority whatever the amount of money or time you have. some people would do a lot better by focusing more than just dicking around; others can throw as much money and time at it as they wish, but still won't improve as no matter what they say, it's still all about the engine itself i.e. you.
as long as you enjoy it at the end of the day, that's what counts