I was in your position several months ago. Without knowing your particulars…have you considered finishing out your PPL in the 172? It will be, among other things…significantly cheaper not only in cost / per hour but in hours / till PPL.
If you search, you will find several threads related to low hours and SR20 flight, and instruction in the SR20. many people have posted on both sides.
Personally I bought my SR20 with 40 or so hours in a 172.
I then spent 10 hours getting to know the SR20, before deciding to finish in the 172. If you haven’t flown an SR20 yet…landing 20+ knots faster and with such a different flare is a little intimidating coming out of a 172.
I expect to do my checkride next week, after which I expect another 15-20 hours of dual in the SR20 before sign-off.
Anyway, perhaps I’m being more cautious than the average 100 hour soon-to-be Cirrus pilot (haha), but to me safety is about controlling variables. At 40 hours my Cirrus simply represented too many new variables.