You pretty much have nailed it. Easiest, cheapest option is a stand-alone tach. Would run $60-100.
Aftermarket dash clusters are certainly not plug-n-play, fairly expensive, then add in your labor (or someone else's) to wire it and you're looking an $800+ easy.
There's some jerk named Midlife that can convert underdash harnesses to tach compatible. But...you'll first need to find a factory tach dash. Those now run $1000-1500 in good shape. Add in wiring changes for everything forward of the tail-light and you're looking at another $3-400.
Final option is to sell your car and find another one that already has a tach. Downside is that you now have a new set of unknown issues to fix...