"Ian Bell" wrote

I don't find comments like '50K is stupidly high' and the later comment
using the same 'stupid' word to be at all constructive.

Well OK. But I don't find comments like "You assume too much" constructive
either, and you were the one asking for help. IME if someone is asking for a
solution it helps to explain as much as possible about the background to the
requirement. A bit of lateral thinking may provide a better solution than
the one the OP has in mind.

David.