Tough to accomplish? No. More expensive? Yeah.
The FAA grants a boatload of credits toward the Wings program for the checkrides I undergo annually for CAP; the annual standardization check conducted to commercial/instrument standards and the Mission Pilot check together knock out all but two of the knowledge credits for both basic and advanced levels, leaving only two online courses left to do (I did the FAA ADM and takeoffs and landings ones). The Air Force paid for both of those checkrides, so my BFR cost me nothing but my time.
The new Wings program has only three levels now (basic, advanced and master) so no level 30 for me.