Hi Foggs,
I was hoping to improve my economy from 12.5 L/100 around town to 11 or so. 18-20 is over the top. I got 15 towing a camper trailer, 4 kids and my girlfriend in the car and a bit of gear in the roof rack from Darwin to El Questro and back. That was before the egr mod.
It's only been in for a few weeks and part of the first tank was without it but still got around 12 with the chip still in. Then the light came on in the middle of the next tank and when I disconnected the battery to clear the dash light I lost the trip meter. I have a full tank now and I'll let you know. I also took the chip out when the light came on. The chip gave it heaps of down low grunt and smoother driving but actually took the fuel economy up to 13+. I'll put it in after the light is cleared to try it again but to be honest, it seemed to make a big difference when I put it in before the egr plate but having taken it out, it doesn't seem much different.
Exhaust is definitely on the list but like you, money is stopping me at the moment. I should have done that before the chip but it would have driven me insane wondering about the chip.