Carlos financially the .2 wont make sense unless you must have the added performance of the larger turbos other adjustments that Porsche made. I had two 991.1 Turbo S's and both were basically modded with tune and exhaust to get to .2 numbers or a slight bit more. Now if you tune a .2 its over but like you said the financial piece is material to you. The only thing I dont like about the .1's is the warranty is done unless you can buy one down there to cover your vehicle.
I actually like the option of the non S .2 as well. Its got a smaller wheel than the S but a simple Cobb tune will help it past a stock .2 S.
If you typed "painfully" in regards to finances then you know what you need to do if you are getting in the porsche game and thats probably a .1 Turbo S with low miles or a .2 Non S. I dont think you want to get a .2 S and when more than enough power sits in either of your other options and a 2k tune is a shipment away. If you want the upgraded interior then the .2 is the way to go. The Nav and other tech parts are more advanced like in my .2 GTS. Heck you could get a GTS and tune it and voila you have a Baby Turbo S
(like I did)