gator, you are breaking two of the most important rules when considering an HT: you are letting cost and travel determine who/where you go.
if i were you i'd consult with some other docs like H&W, Feller, Shapiro, Rahal. Yes, you may have to travel, but most of these docs will pay part of the travel expense/lodging. regarding cost, just wait a bit longer for the HT and save some more. if you can save $8k surely you could save $10k.
imo, both of these docs have quoted you on the low side graft-wise. your area of thinning in the crown alone looks like it would require at least 2500-3k grafts. the crown, known as the "blackhole" can consume a lot of grafs.
do not rush into anything and do some more consults, online if need be. good luck.