You are not likely to find a "true RMS" meter in the under $200 range. NO big deal. Unless you are doing extremely critical work (and I am not belittling your work), a true rms meter is not advantageous.
In my work I already had a Fluke 87 so a added a Fluke amp probe (clamp on, i1010, I think) that plugged into the 87.
For convenience, I cannot imagine going with the shunt method.
Also, even though you don't want to spring for the Fluke, you may be money and satisfaction ahead by doing so.
HTH
Griff