212 answered the question and that's exactly why I went with the 360 Challenge car.
I also joined CCR which has races around the US and they only allow Challenge cars believe there are 60 registered cars and drivers.
Race gear - Stilo full face CF helmet 3 layer nomex suit Hans device and everything else ran 7500.00
Added a cool suit set up with shirts 1,000,00 It's a big cooler that sends ice water around your torso.
Mclaren for 300k is tempting - race set up not street legal but there is no series to run in - perhaps down the road
A proper 360 is 440 hp and lightweight vs the 430 / 458 it has a lot of advantages and much less to run,
By the way no air bags are allowed - so for 100k you are all set.and most of all safe!
Fnd a race support team to prep and service the car all weekend with plenty of spares.
Barring nothing major goes wrong a good weekend runs around 10 - 15k for everything and most of all you can walk if something does go wrong, Double that for a 430 and triple it for a 458.
For me a well sorted 360 made the most sense all around and one can always go up to the 430 / 458 once they feel comfortable.A good 360 will run with a 430 the 458 is a whole different league and to be honest not as much fun as it drives itself and has too much hp.