I've heard this from people only to find out they don't even do water changes on their FW tanks and feed once a week or less. Not implying that's the case for you, but fresh isn't always hands-off. Depends totally on the setup... I'm used to axolotls which are absolutely filthy. Yeah I can use tap water, but mine is algae heaven, so it isn't that helpful. I'm not the sort to be scared off by maintenance.Stick with fresh, about 10x cheaper and much less maintenance, I say that as someone who has about 500 gal of salt and about the same fresh
As far as cost goes, my budget is the same either way. If I do end up choosing fresh, the money I'd have spent on live rock, salt, tests, and so on would be going towards extra plants and hardscape. Need new heaters, substrate etc. regardless. Would probably be buying a canister, and stocking more expensive/challenging species. Would likely still get the RO/DI too.
My choices are complex FW or basic SW. Big spending has to happen either way, but I have 4 other fresh tanks... always wanted to try salt and I'm okay with putting in the extra resources