Don't let people bring you down. You remind me of me. This hobby really is an endless learning curve.
My favorite lighting and IMO the best lighting is Ecotech Radion G6 XR30 Pro's for one of the highest quality coral/anemone lighting, because anemones generally need high lighting similar to SPS coral.
My advice would be to get the lighting to necessetate an Anemone, and buy easy to keep coral ASAP.
I would find a store that sells huge pieces of coral covered live rock like Zoanthids, definately start small with a few small softy colonies and if they do okay, throw in a huge rock that's been sitting in an established system for a long time covered in some cheap zoanthids to streamline the maturing process. But I always say it's each to their own and there're are so many ways you can go about it. The way I'm mentioning is pretty much full scale biodiverse warfare. But there're much more controlled, strategic and scientific ways of introducing the biodiversity of a mature reef.
Stick to the hobby, and never give up. It is absolutely beautiful and worth it.
I've seen people establish tanks similar to the one you describe in under a year and have them looking pristine so I have high faith in you that you will achieve what you want.
My main concern would be cost because Anemones need good quality lighting and for someone about to dive into the hobby, it's a pretty big ask to go buy some top of the range lighting straight away.
I definately am not rich and came into this hobby in the beginning with just $350.
Most of my equipment was bought on finance paid in 4 payments because I am addicted to this hobby and want to provide my tanks with the best possible equipment.
You could also probably buy a clownfish right now, and do a fish in cycle if you're super impatient but carefully monitor ammonia and just do general water changes. In my experience, I would maybe buy one blue chromas for the time being, because if you buy a Clownfish now, and eventually down the line by an Anemone, the clownfish may not host it. So it'll be best to find a clownfish in-store, already hosting an anemone.
Sorry for being so wordy I just love talking about the hobby hehe.
Anyway I wish you the best of luck! Never give up, you can do it!