Using your current stats and skills at the baseline, you are currently 487 GP in debt. This is because the prices for reiatsu changed (still 6000 to reach 300 rei, but the cost no longer ramps up sharply at 200 reiatsu.) You'll probably want to futz with your reiatsu a little bit and reduce it- even by 25 will leave you with 13 GP in the bank. I've found links to all of your threads, and strongly suggest that you put them into your own thread tracker.
in light of bg 3.0 making me choose between kidou, kaidou, and shunko, i'm taking the latter two (and keeping the points/ranks already allocated beforehand) and discarding kidou (aka the nonexistent hadou and the bakudou) requesting a refund for expert bakudou (proof of upgrade here: bleach-gotei.com/post/223462) for 400
total claim: 484 gp total bank if that goes to bank: 497
spending that gp to put back my rei to 150 (+25) 497 - 487 = 10