Every family is different. I haven't been a parent for long but at the end of the day there's no one way to optimize everything. You'll either spend time, energy, or money. Something that saves you money may drive you insane. The $100/mo is not worth your mental health.
My wife breastfeeds and pumps. She doesn't love it, but she doesn't mind it.
Also, I'm no pediatrician but vitamin loading via formula seems off to me. My daughter's pediatrician told us that while breastfeeding is preferable to formula for the bonding benefits, at the end of the day it doesn't really matter as long as the baby is eating enough. We do have to supplement vitamin D in either case, which we do with pumped milk.
I don't think there's a mathematical way to optimize anything in parenting. You just try stuff and see if it works. And maybe it works for a few weeks or months. But then it stops working. Then you adapt! Maybe breastfeeding will stop working soon. Maybe cloth diapers will stop working soon. Who knows? All I know is that I'm not gonna be showing my daughter and wife a spreadsheet to show what is optimal.