I started with a refractor ( 6 inch Helios ~ Skywatcher) that still gives me heaps of fun, and does a fair share of deep sky work too. I then got my big reflector and followed with a small portbale, but quality refractor again.
It easer to learn on a refractor, less hassel, no collimation isues anf they pretty tuff, taking the knocks a beginer gives them.
As for bang-for-buck, well you get more with a big dob, but I think you get more sky time out of a 4inch refractor ( JMO... don't shoot me
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but I'd say try going to a star party... get to use both, ask around... it's like Fords and Holdens.., each to his own... if you going to be a planet boy, then a quality refractor is way to go,,., if youing deep sky faint fuzz balls, then a big 12inch reflector is what you begging Santa for.... but all in all today, you don't really get a bad scope, if you stick to know brands and get some good advise.
also think about, where you going to store it, can it fit in your car... will you be able to find a flat surface for a dob, when a tripod mounted refractor can set up anywhere..even on a sandy beach.
But most of all think twice, decide three times and spend wisely, cut emotions out of it,,, and if you can't afford what you really want and can save a little longer... then do it ( save the cash now and buy better later)
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Tony