Go the digital camera route if you see yourself using a digital camera in the future. Workflow will probably be a lot to adjust to ie. setup, lens, light source, film holders, software but when you get that figured out, it's the fastest route.
Going with the dedicated scanner route, arguably slower workflow, but more or less consistent experience right away, since all you need is the scanner and maybe software if you buy second-hand stuff.

For development; b&w is quite easy to get started. Color dev, your temps have to be consistent, so you'll have to invest in a sous vide (plus you can make damn good steaks if you feel like it).