Welcome Brock. Add you location to your profile so we know where you are. This is not for data gathering, there has been more than one occasion on this forum where folks have given (or sold cheap to folks in their area) items or offered assistance to people near them. You are right to start with whatever you can afford since not having a DC is too expensive for anyone, health-wise. I started with a bag unit and though far from ideal, like 6" jointers, they tend to show up on the used market frequently from folks who have found they need to upgrade.
Adding a lot of aftermarket stuff to low end unit may seem like tossing good money after bad but, I am still using a bagger (that I added aftermarket stuff to equal to its original cost) after a decade or more. Like adding things to a contractor saw to make it more usable, tricking out a cheaper DC is not a bad way to go. I went with a properly scaled filter bag but, they cost nearly as much as a Wynn filter and take up much more room. I went this way to skip the separator which puts quite a hit on airflow. Over the years I have evolved to that original bagger, a cyclone and a couple of shop vacs with Dust Deputy separators on them. Start with what you can afford and add as you need to ;-)
Any sufficiently advanced technology is indistinguishable from magic.
- Arthur C. Clarke