<how much money do I take out of the bank to find/fix the problem? >
You may mean banks-- [ plural].
You can also check a suspect evap with a freon snifer/detector up the a/c drain hose .. Best to shut car down overnight [windows closed helps] and test next day before starting.
The freon is heavier than air and settles at the bottom of evap enclosure and a decent leak can sometimes be picked up here....