So I am curious what kinda budget this cowl and floor work would require? Would you let us know a basic price range of what this kinda repair goes for?
No matter where you take it, the cowl won't be cheap and I would estimate that $2K labor would still be on the low end for a basic repair like what I have pictured below. There is a lot of steps and as Rusty commented, it depends on how extensive the damage is. Although the aftermarket parts themselves can be somewhat inexpensive, this is a labor intensive job irregardless of the amount of damage found.
I do my own work (I'm reasonably knowledgeable and wasn't my first time) and during the last one I had a little over 50 hours installing the 2 cowl patch repair panels--and the rust damage wasn't that extensive. The time included R&Ring the windshield, interior, dash components (including dash pad, heater box and fire wall insulation), front cap (hood, fenders, valances, bumper), and anything else that is in the way OR you don't want to burn. There were 167 spot welds that needed cut and eventually rewelded. I did both primering and painting under the cowl before reinstalling.
In my case, the hats were in great shape, but other areas around it had rust damage. I decided that aftermarket patches was the best route and I installed them on both sides.
RH side:
LH side:
Under the upper cowl:
Doors didn't need to come off for the job, but pretty much everything else that you don't see was in the way,
Not shown is the work on the upper cowl. It was rusted through where it met the front aprons (which are directly above where the holes are shown above.) The cowl holes where hidden under the seam sealer and it wasn't until I scraped it away that the initial damage became apparent.
Full floor pans patches are much easier and I can do both (including R&R interior) in a couple of days.