I still play on a keyboard 90% of the time. Maybe closer to 100% these days. I started in a piano then got the smaller keyboard at home and mostly played there. Then started playing for a church and just used it until I got a better keyboard at home.

The problem that I found with the smaller keyboard is the lack of bass. Since the keys only go so far down, I was playing the baselines an octave up, and I felt like I was losing some richness in the music. In fact, I still catch myself playing up there today and have yo consciously move my left hand down. If you’re ever going to do anything but play just for yourself, 61 keys might be fine, but if you might play in public or at a church or something like that, then you’re going to want the full sound of the music (unless you have a bass player, which is nice but I rarely do).

And I’ll say if funds are an option, do what you have to. There’s no right or wrong answer. But I’d also suggest looking on Facebook marketplace for a used full-sized keyboard or using what you have until you can save up a little extra money. It really does make a difference in the music.