OP, are you aware of how much it costs to breed the *right* way? With prenatal vaccinations, routine vet checks, ultrasounds, extra feed and supplements, the midnight foaling vet call, foaling complications, the risk to your mare, and the extra feed for the foal, the stud fee should be the least of anyone's concerns.
Please understand that there is absolutely no guarantee your foal will be able to stay with you forever. Things happen. That's life. In the event the foal will need to be sold, the responsible thing to do is ensure that this horse will have the best chances of finding a good home. This means putting him above the average grade QH. You do this by breeding for a registerable foal with excellent conformation.
With that, I'm out. Please think carefully about this.