The initial purchase cost is one thing; subsequent purchases, especially the additional lenses for FF cameras, could be a major concern if one is constrained by budgets. Thus, whether to go FF or APSC or another category, should start with this consideration in my opinion. Unless, the gears will be used for paid work which will eventually offset the costs, it might be better to stick to APSC and sacrifice on DOF or image quality (may or may not be so; it depends) for hobbyists. Otherwise, when new cameras, lenses and accessories are introduced in future - sometimes with short cycles - one will be left wanting and envying.