The one big caution I would offer to a first-time airplane owner is to have a buffer in your budget for the inevitable first-year unknown expenses.
Sometimes it’s a maintenance issue that wasn’t obvious in the pre-buy, sometimes it’s an avionics upgrade, sometimes it’s safety equipment (shoulder belts, 406mhz ELT, etc).
No matter how much effort you put into finding the perfect plane, you will have expenses that you didn’t expect. And those expenses could easily run 25% or more of the purchase price. So if $130k is the max you’re prepared to spend on this venture, you might confine your search to the best $100k plane you can find. Or plan on spending $160-170k total in the first year if you go with the $130k purchase.
In my mind, the worst-case scenario is having a nice new-to-you airplane sitting on the ground waiting for the money to “get it right.”