Despite of how cheap the J-20 will be, it would still be multiple times more expensive than the F22, comparatively speaking in relation to GDP and GNP. I have seen a post somewhere before, saying that even J-10 is more expensive than F22. This guy calculated the overall resources (not just natural resources alone, but a broader meaning) a nation has and how many hours of labour/work/effort per citizen to create enough resources to build the jet. According to his calculation, the F22 consumes less effort from the American workforce than does the J-10. This is very pragmatic approach to evaluate.
For example, a wealthy man with fortune in the tens of millions told a middle class blue-collar that BMWs are cheap, he should buy it, because Ferraris are too expensive for him. This wealthy man is half correct, because this blue-collar definitely could not afford the Ferrari. But the BMW is still too expensive for him. It is achievable, but the car loans would drain all his dispensable income. On the other hand, Ferraris are very expensive, but with this man's fortune, he could buy hundreds of them as if they were toys. Although expensive, they are cheap for this millionaire.
Get the moral of the story?