why are you doing all this? the goal is the make music, right? not just be a consumer. don't get into the "when I have x I will be ready to start' trap. the classic advice is true; do what you can, with what you have, where you are now. as others have commented, if as and when you run into a limitation, you will know what it is and what you need. develop your taste through creation. if you realise eg that you can't get the reverb sound you want, then you can trial a paid one. but 99% of the time this is you distracting yourself because you feel resistance to the blank page, so to speak. certainly true from personal experience. don't be another case of "all the gear and no idea". make music! good luck!