This GCN video has some info about wind tunnel tests of different setups --
https://www.youtube.com/watch?v=hd0fXhDkH84.
I think they find that the difference between road bike + clip-ons and TT/tri bike is on the order of ~30 W at 45 kph when the same attire is used for both. Assuming that's something like ~10% of power, that would be equivalent to a 10% change in CdA, which would translate to around a 3% faster bike leg. If you're at a 5-hour bike split that's around 9 minutes.
The question then becomes: how much is that worth to you? And, critically overlooked by most of the thread responses here, do you have 9 minutes of cheaper low-hanging fruit elsewhere? (Nike 4% shoes for the marathon? Form analysis and coaching on the swim? Transitions?) It's a triathlon and you should weigh time improvements that cost something against each other across all three (four) disciplines, not just within the bike leg.
If you're really invested in improving the bike split or still think that's your best area to gain time, then you should try to do some aero testing and see where your cheaper improvements might lie (Do you have a power meter?). Body position is obviously king, so you would probably benefit from posting a picture of you on the bike in aero position, and testing tweaks in positioning to optimize CdA. That gcn video also concludes that aero clothing + helmet is worth far more than wheels, and represent big savings regardless of your bike setup. So do shaved legs according to multiple sources. I don't know what tires, tubes, and inflation pressure you're running, but those are also much cheaper areas for marginal gains than a TT/tri bike.
Finally, if you're talking about doing that many races and traveling to Kona if you got a KQ... I have to imagine a nice cheap used TT bike from the pros closet would not break your bank. There's stuff on there routinely that looks pretty good in the $2-3k range or even under.