Don’t buy anything you can’t afford. Sounds like you already got that part right. :)
If so good 3D-printer are lower cost than ever. Sure you could pick up an used Ender 3 and the like for $50 and put in the elbow grease to learn like it was done in the old days. Alternative is spending $200 on an BambuLab A1 and skip most of the learning curve.
If you can handle frustration than a cheapo used printer could be a good option. Please ask before purchasing as not every $50 printer is a good deal/option and as a newbie you can’t distinguish the good from the bad.
With direct drive, I would say it doesn’t make a difference.
For bowden there is a benefit.
I also think that direct drive is superior to Bowden setups in nearly every situation. The current generation like the Orbiter v3 is a very light direct-drive extruder.