Buy your Holgas from www.holgamods.com and you'll have two "workable" f/stops.
Do we know each other Ann?
Because, I do my Holga's that way too.
My unpainted one has black wand white film in it, my red one has slide film and my yellow one has color negative film in it.
Go for it and buy a Holga or two or...
It will put the fun back into your photography!