Just thought I'd share my experience. I'm 59. I got my certificate in 1986 and flew about 250+ hours between 1986 and 1992. I flew Cherokee 180's, 172's, 150's and Citabrias. I then quit flying (work, kids etc) and started up again in 2020. I couldn't find my old logbooks, so I wrote to the FAA for my old training records (no, they didn't come back on papyrus scrolls). I decided to jump right back in and go through Cirrus transition training. I had no idea it would be so challenging. After completing Cirrus training, I decided that they were just too much plane for me at my current level, so I opted to buy a Cherokee 235 - had all the docile traits of a Cherokee 180 with a bit more ooommph! I put 220 hours plus on the 235 and got my IR in it. I can tell you that the IR was challenging, took more hours than I expected but was enormously enjoyable and improved my piloting skills exponentially.
I sold the 235 and moved up to an Ovation about 6 weeks ago. I'm still in transition training - 25 hours and 28 landings and I'm still not fully comfortable landing yet (although very close). I've got speed and stabilized approaches down I just have to get the right sight picture! Anyhow, insurance for my 235 was $2200/year with a 150k hull value. Insurance (even with an IR) on the ovation is $6800/year with a 300k hull value although I now have enough retract and time in type to get it adjusted (Avemco).
I ended putting in about 6k in maintenance for the Cherokee 235 over the 12 months or so I owned it. Too early to say yet on the Ovation as I'm still working out a few early squawks.
My advice is 1) not underestimate the process of getting an IR and actually being proficient - I'm not sure the 6 days classes will spit out proficient IR pilots - that takes time. 2) I was much more comfortable training in my own plane - confidence in maintenance, familiarity and availability are worth a lot to me 3) recognize the difference between a complex, High Performance aircraft and a primary trainer - they are different beasts.
I don't know your financial situation, but I would recommend buying a well maintained and decently equipped 180 or 235, finishing your PPL, work through your IR and get some experience. then sell it and move up. The market for primary trainers is strong and if you buy right, you should be able to at least break even. I bought my 235 for 109k and sold it 12 months later for 135k. If you want a Mooney (and they are fantastic birds) be prepared to put in more dual time and pay higher insurance rates for the first year or two. Thus endeth my novel. Enjoy!