Don't misunderstand, I certainly understand the desire to have a car. What I'm asking is why you are looking to replace the one you have.
BTW, in my shitty red state (Ohio), those fees are applied when you renew your registration. If you renew for 5 years (the max) right before purchase and then transfer that registration, you can avoid 5 years of those extra fees. May or may not help in your situation.