I agree that plastic is cheap. I can't quite picture the OP's layout from what he wrote. But, if the whole horizontal run is easily accessible, it could turn out to just be a 2 or 3 hour job to cut it out and replace it with PVC and Fernco fittings. A 2-3 hour job vs. a 12-16 hour job is a big difference. Changing the vertical lines and all of the connections to the various fixtures may be what accounts for the remaining 10 +/- hours of work. And, once the horizontal lines are done, deciding to do the vertical lines at a later date would basically be no different than doing them now. The OP said the plumber will do the job as time and materials. So, if the OP decides to just do the horizontal lines now, he will only get charged the time and materials for that part. He could just explain that he cannot afford to do the rest right now and decided to just do the horizontal lines for now as a start.
On the other hand, if the OP can afford it, and the plumber is ready to come and do the work, getting it all done at once would be nice. I just wanted to point out an alternative if money is a problem right now.