My work were stingy with budgets too. In the end I offered to pay the difference myself. It’s my eyes and my comfort level after all. (They saw sense and paid the full amount).
Why do I need a large gamut when almost everything is black on white?*
You don’t. And if you are on a budget then definitely skip that one (Though it can be a good marker of a decent monitor).
Full sRGB colour space can sometimes be useful if you are doing any UI work mind you. I’ve seen a few odd UX choices made by devs on crappy monitors (“Why have you made the button blue Dave?”, “Well it’s green on my monitor”, “Yeah but everything is green on your monitor!”) 🙂
Flickering is mostly gone
Not in my experience. There are two types of flickering though. In the bad old days a poor refresh rate and interlaced displays led to graphical flickering. That is a lot less common these days.
But the other kind is backlight flickering, caused by poor quality CFL tubes or a badly rectified power supply. It’s less immediately noticeable but on a monitor you are looking at all day it leads to eye strain and feeling tired.
For the record my current main monitor is a 27″ BenQ GW2765HT with a 2560X1440 IPS screen.
Cost £250 new but that was a couple of years ago so there may be better options now.
It meets all the criteria I listed and is really nice and clear.