Hey whiskey!
I've been reading your posts on this thread and here is my 2c on being a resident who is in therapy (In my case it is a requirement not of my program, but of the Institute for Psychoanaysis). As you well mentioned, "resident in therapy" or "having your own mental health issues" is at the very least a dichotomy that is far from being useful. I cannot give you information about the psychotherapy community from NYC because I don't live there anymore. I live now in Chicago.
One of the things that really matter is who your therapist will be and how to choose your therapist. But that's a whole other topic in itself.
As far as its affordability is concerned, it is very true that most therapists practice (very) steep fees. What you can do once you contact a therapist is find out if he would accept insurance or not; and if yes, if he/she will give you some room for negotiating the fee. I don't know what kind of insurance you have, but many carriers will reimburse for some of it. (Find out from your insurance company not only how much they cover, but what exactly they cover; do they cover the average fee, based on the location of the provider, or the actual fee?). If you have a PPO, it might work easier for you than if you have a HMO. Another thing you might try is contact a psychotherapy institute (and you have quite a few in NYC) and request a list of their advanced candidates; you could go in therapy with an advanced candidate. Do not underestimate them just because their title is "advanced candidate" because to get there, you go through hell....more or less!
If you have any other questions or you need clarifications on the above, please let me know.
Good luck!