You didn't say whether your 10k included buying the car. There is always Monoposto. As a general rule don't be frightened off by what appears to be a team dominated formula. The drivers still need to be able to drive them, and all amounts of money can't overcome deficiencies in that area. I have raced in F4 and Mono and never seen anyone on an arrive and drive basis.
Actually last year there was only two arrive and drive teams in BARC FR, most people were like ourselves, arriving with cars on trailers.
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