Look - for someone who can't afford to fill their primary pistol magazine to its capacity, I highly doubt you have found the resources to build a safe/functional indoor home gun range. No knock against you for not having a lot of money. My point above was why not use the FREE land available to shoot yours and others taxes have already bought? In the case of the one fellow the Q likes to mention, he following sound advice, was able to find a legal place near him to shoot. I am fairly sure as you have pointed out, you can simply shoot in your yard if you have the clearance/distance from roads/neighbors to allow it? You want to dance around the legal fires? Then you better have the money for a good lawyer, which by your own words...you do not! Correct? Do as you will, it's your money & freedom you are gambling with.
Oh and by the way - this site is HEAVILY monitored by LE, don't be shocked when your own words show up against you in a prosecutors evidence file. It has happened to another famous poster in the MI sub forum.