In terms of bang for your buck an F/E is going to be your best option. You can made immaculate versions of either in the 60-75k range whereas a J with same engine time and radios is going to be 30-50K more. Fundamentally there isn't much difference between the three models.
I agree we don't fly for financial reasons but finances sure play a big role in it. I could have easily afforded a 252 including operating it. At the end of the day I take 3-4 long trips a year. The extra speed isn't going to save me that much but I would rather take all that money I saved and do something else with it. I got a RayJay in mine so when I need to go high for weather, mountains, etc. I can and when I come west to east I can do 220+knots at times smoking any J. I beat my friends 320 on trips all the time because while he has more speed, I have more range as another example.
I have nothing against newer Mooney's but owning an Acclaim S as example would just be a waste for me, I don't fly that type of mission profile and it would be a big waste of money that I could be doing something else with. I see all kinds of people at the airport with planes that are just more than what they need. These are always the ones who eventually stop flying because the cost or complexity just becomes to much. Often times I think if they would have bought with their head instead of their heart they would still be flying.
Mission and finances should be the only two choices in an aircraft purchase IMHO.