taking out the tank isn't THAT hard... I recently cleaned mine out and it started to rust on the inside again... so you are WAY better off getting a new one (not new used one...)
to take the tank out, you have to remove the drive shaft, heat shields, and rear muffler. (along with the lines that connect to the tank...) you will need a buddy to get the tank back in. And see it as an opportunity to learn more about your car.
If cash is a concern, then i'd consider going by the POR-15 route. about 80$, but no more gas/metal contact (IE, no more rusting...)