The first part of your post applies to most things in life.
..Why buy a Mercedes when a Kia will get you there?
..Why buy designer suits when the cheaper ones will cover you up?
..and on and on and on
I can't imagine limiting myself to 20 albums at any age. If that is all you can afford then I think your money would be better spent on the necessities of life and listen to the radio until you can afford to start on this hobby.
..Why buy a Mercedes when a Kia will get you there?
..Why buy designer suits when the cheaper ones will cover you up?
..and on and on and on
I can't imagine limiting myself to 20 albums at any age. If that is all you can afford then I think your money would be better spent on the necessities of life and listen to the radio until you can afford to start on this hobby.