a nice cheep lens to think about might be a 13/20/25 wollensak velostigmat 3riple convertible. i haven't checked yet, but i was told by a wizard (dag77) that it will cover an 11x14 negative. ( a zone plate or pinhole or something else might work well too on the cheep ) one thing to think about that might save you big bucks is using paper negatives. i know you had mentioned something about it way back when the thread was in its early stages ... you can make a film holder out of foam core

( speaking from experience! ). paper negatives are as cheep as it gets!
just enjoy grey days, or times when the bright day factor isn't off the charts ... and/or use a polycontrast filter, some partially exhausted ansco130 and you will be golden!