Hi Polyman,
Don't leave, i am glad you managed to find your way back despite your initial U turn at the causeway, somehow your writing style seems to be related to someone familiar though.
1. Knows Johor well, been there many years ago, knows his/her stuff
2. Wanted to buy back then but didn't
3. Talked about traffic jams and glad that you didn't buy unlike others who are stuck there (are they really stuck there to begin with, hmmm)
Well i digress. Not to worry, i don't think your sharing of how much $$$ you have currently would thumb down most of the folks here. Some have (whom i have the good luck to know) already reached your current level before age 30 and just like you, they are self starters.
Whilst the SG dollar is doing well now, its still not well enough such that 200k SGD = 500k RM so you still need slightly more than 200k to get the house plus levy, legal fees, stamp duty (for developments which don't cover these) You would also likely need another 50-150k to cover for renovation. So you might need closer to 300k SGD.
I am glad you reached a decision to save your money but as this is a forum, whether you regret your decision or make another U-turn, no one knows so you don't need to feel embarrassed.
Feel free to U turn on your decision not to buy as well. I wish you well.