“Price has never been the issue” Not exactly what you have been implying in past posts.
“The plant is the issue” A plant that is well on its way to being bonsai ain’t going to be cheap.
Al, you remind me of the people in my Hot Rod group that would buy cars that were 90% finished and throw a coat of paint on it and say they built the car. Then they would laugh at us that spent nights building our cars from the ground up and have cars that were less than perfect. I will admit that you are heads and shoulders above anything I will ever be in bonsai, I just wish you were someone approachable, but since you “have earned the right to be an asshole”, I will just glean what I can from your posts but I will never respect you.
This is part of the problem. The "Do it yourself" mentality of building your own bonsai from the ground up is a pretty new concept in bonsai. In Japan (and I hate when people say that, but it has a lot of meaning here), the thought that you are the sole owner and developer of a bonsai is kind of laughable. If you're successful in making anything worthwhile, you are but A SINGLE STOP on its way to becoming a bonsai. The attitude that you are going to develop "my own tree" is kind of an unrealistic and blinkered approach. You can only take things so far, until you die.
Since bonsai are living trees, not tools, or cars or aquariums, they have a life span measured sometimes in centuries. Japanese bonsai people understand this and have absolutely no problem with it. Take a look at some of the Japanese sites and the "low end" stuff offered there (not talking about the mallsai, pop-bonsai fad stuff, but more traditional sources) A lot of the lower end stock offered there is vastly ahead of Wally World pines and maples-VASTLY ahead and not all that expensive.
In Japan no one laughs at someone for buying sometimes hugely expensive, centuries old trees that have been worked on by dozens of people over their lifetime.
They laugh at you for being so arrogant in saying that you, and you alone, are going to create a bonsai from the ground up. In working on such young material, what you are doing is setting it up for the next generation of bonsaiists if you're successful.
Like I've said in other threads, more established stock is probably not for beginners, but more for those who have got a good handle on care, like those who have kept trees alive and thriving for about five years.