/incoming 2 cents with plenty-o-change
I was in a similar situation. I had 80 hours in Cessna 150s, 152s, and 172s and got my ticket in '94. Stopped flying shortly thereafter in '96. Got back into flying earlier this year after 14 year hiatus. Went to buy a plane (personal and business reasons). I was, like you, leaning towards a 172... simple and a *known* factor to me.
Started asking around on the AOPA boards, the Purple Board, and this board. Most folks told me to examine my mission, and "buy my 'second' plane, first"; i.e. buy what I planned on getting into not "work my way up". I, like you, had no retrac time, limited constant speed prop time, and zero low wing time. I was apprehensive about buying a Mooney. Ken Reed (KLRDMD) took me for a ride, and I was sold on a Mooney. Responsive. Smooth. Fast. Efficient. What more should a plane do!?! Not to mention, I fit just fine! (I'm 6'3" 250lbs).
Six weeks after flying with Ken, I bought N401RK (a '90 M20J). Very happy I did. I have put more than 60 hours on her since picking the plane up in May of this year. With zero complex, zero time in type and only 80 hours (earned 14 years earlier), my insurance was not cheap but (to me) wasn't unobtainably outrageous. It was 'bout $2100 for the year with a $120k hull value, $ 1 mil policy, $100k per passenger. Required 10 hours dual instruction, and 5 hours solo before carrying passengers. Policy also allows anyone, other than me with 500 hours and 25 hours of M20J time, to act as PIC.
I have no experience with grass/dirt landings in the mooney, so I can't opine/muse on that topic.
Good luck!!!
PS If you haven't noticed you're not going to find a plane that balances speed and efficiency like a Mooney. So if high speed, and low fuel burn is important to you (it was me considering my intended mission), this is a plane to seriously consider.