Drew; The following comments are just my own opinion and may differ substantially from the view of others. Owning a Cirrus is part ego, part performance. Most like the biggest, the best, the fastest the latest . . . that is ego.
Look to your mission to determine what is best for you
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. . .advice on the respective merits of an SR20G2 vs a used SR22.
Apples and oranges. The SR20G2 is an SR20. The performance numbers differ from an SR22.
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Use would be mixed business/personal/proficiency. We have two kids (a big five year old boy and a two month old girl).
I own an SR20, it has a 915 useful load. Subtract 336 lbs for full fuel (about 4+ hrs) and I have 585 payload. The SR22 generally has about 50 lbs more payload given full fuel.
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We live in Texas, but cross countries would likely include Southern California (via El Paso) and vacations to and/or over mountains.
You are generally flying the low country so the 20 will do. As a general rule the 20 will go as high as a 22 but take longer to get there.
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I have about 1100 hours and an instrument rating, but our current aircraft are not IFR equipped, so I am not instrument current. How do insurance rates compare between the SR20 and the 22?
The 20 is obviously less expensive but maybe not. As with most insurance, the bulk of it is “hull value” a used 22 will sell for less that a new 20.
I am a high time insturment pilot and I pay between 2600 to 3k for a hull value of 200k
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How much nicer/better is the G2 avionics package?
They are the same. The newer aircraft are built with PFD. The older aircraft like mine (3 years old) have six packs. This applies to 22’s or 20’s or G2’s except Cirrus will not make an aircraft with a 6 pack option. The rest of the aircraft have various avionics that will vary the cost of the aircraft over 50k
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Any thoughts on the Skywatch vs the Garmin 330 mode s transponder? Has anyone tried the 330 in lieu of the skywatch in a Cirrus?
I have the Garmin 330 and find it works just fine, but you must be in a radar environment for it to work.
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Any experience/thoughts/advice on the aftermarket air conditioner?
I live in Miami and don’t think it’s worth the price or payload loss, although the option is not available for a 20.
Look to your mission, and your personal style before you decide.
They are all good aircraft even that the prices currently range from 179k on the low SR20 used range up to 440k+ for a new SR22 G2