the only advice i can give is to only race something you can afford to crash. Most of club racing is the same price give or take a bit - but F3 cars (or anything with carbon and high performance engines) are always going to be more expensive when things go bang or when you hit something. Hence why i race in F3 rather than something carbon...
I think URS looks great, but you can 't go wrong with FF1600. Good luck.
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