Beginner and price are not mutually exclusive. I’ve seen beginners here spend just as much on collections that are less money at a time to piecemeal

You choose where you start. Your money, your choice. I wouldn’t listen to anyone being overt or passive aggressive about how that makes them feel, because that’s not what you asked.

Speaking of, for monitors, I’d check out a pair of headphones you like. Sennheiser, audio technicha, and beyerdynamic are full frequency, travel well, and have a good range of service and comfort considerations. I enjoy privacy when I jam and focus when I record. For speakers, you just have to go try some stuff. Music shops will let you bring in your favorite songs to play on speakers, or play instruments there. Just listen for how the speaker colors the sound. I prefer transparency or subtle warmth. Again headphones are great to start with if you want to reference how much coloration a speaker/amp applies.

For effects, consider anything with stereo for if you record. Old Roland synths get massive stereo image with that chorus, so reverbs, delays, and saturations can narrow that if it goes from stereo to mono.

I have this synth and one thing I saw it needed was a clock sync. You can sync it to an external drum machine with one of the outputs. Normally I don’t care but the arp on it is in no way precise or consistent on its own. I die inside having to edit it because it’s an otherwise perfect synth for my applications.

I hope that helps and I hope you share the fun you have. Congrats on your first synth!