Well, Fishy, we feel for you. The unfortunate truth is that either you take and act on the advice from Jerry and co. or you keep pouring RM out of your tailpipe everytime you start your engine.
BTW, you still haven't tell us if your wheels aspect ratio are correct in relation to the factory sizing. Not that it matters to us but the best minds here (mine excluded
) can't help you if they don't know the whole set-up.
Maybe you can sell your current wheels and find a secondhand set that is the correct size, that is if your wheels now are wrong sized. Or do something about the exhaust. You can also sell your current exhaust to fund your repair. Pick one. You have to start somewhere if you are going to solve your problem. Again, just my two cents. Best of luck.