The longer you wait the closer to your budget you will come. The longer you wait the closer to the end of the panic you get, and the rising prices...
Consider an out of state sale to get a more reasonable price if it is feasible. If all of the Barbie doll addons are going to be illegal then the Mini is at a more equal footing. Accuracy wise the AR is going to kick the Mini's ass all day and twice on weekends. But will it really matter? Do you want to shoot quarters or pop cans? Mounting a scope on the AR is simple, don't buy the old school carry handle model and all is well.
The Mini can be had with a wood stock. when they get around to banning black and plastic you'll be golden. You know Ruger makes a fine AR don't you?