a few forums i have found online say that you can expect roughly only 6 months to a year or something like 200 hrs before you will most likely have to start putting a bunch of money into the drone or before it will need to be replaced.
This is false, depending on your definition of "bunch of money". A flight battery will likely wear out in 200hrs of flight, but that's easily replaceable. Is $170 a "bunch of money". Generally speaking the craft will be good much longer than 6mos if you don't crash. However, there may be some maintenance to do, depending on how rough you fly, such as speed, wind, S mode, jerky flight navigation, etc. The body is the most likely part to give you issues after a year or two. Many have developed shell cracks after a year, sometimes sooner. You can either glue the crack or simply replace (higher cost) the shell ($50). Motors rarely fail, but if they do they cost about $28/ea. The odds are you'll crash first from pilot error so you won't have to worry about wearing it out, per se.
If you are that concerned about cost, you may have the wrong hobby. IMO, if you can't afford to replace the drone when you crash, then you likely have the wrong hobby. For most pilots, it's not a matter of "
if you will crash", it's a matter of
"when you will crash". You will read about pilots losing their entire craft all the time, 95% of the time from pilot error, and they often never find the craft, usually because of rough terrain or water landings. So the goal is to be careful not to crash or lose your craft too soon, so you can make enough money or get enough pleasure from the craft to justify the cost of losing the craft. If you can do that, and be OK losing it, you have the right hobby.
The bigger problem to be concerned with is craft collection, your hanger size! I spent $1600 for a new P3P+ extra batteries almost 3yrs ago. I still have it, and it flies perfect. Then I bought a P4, and I still have it. It still flies perfect. Then I bought a MavicPro, still have it, it flies perfect. Then I bought a
P4P and still have it, and it's totally awesome, it flies longer, farther and higher than anything else I own. This isn't a cheap hobby, and it's very addicting.
I need a new fix, waiting for a P5 or Mavic2

. It's been almost a year since I've given DJI some of my money.

I'm doing better at waiting for the good stuff. There are no WiFi drones in my future.