While it is true that you will probably crash your new heli, remember that everything is bolted together so any damaged parts can be replaced with new and the heli will be as good as new again. It is rare and difficult to "total" a heli. Most crashes are fairly inexpensive to repair.
As far as whats best for a first heli, search out some local heli fliers and get their advice since they will be the ones helping you.
I is best to have something that they are familiar with.
For the cost to get started, That is very dependent on what route you go and what you might have on hand if you are already into RC.
As a general rule, the bigger the heli the easier it is to fly. I always recommend a 50 size heli as being a good compromise between ease of learning, future capability, and cost.
Small is not necessarily cheaper.
A Trex can cost as much to get flying as a 50 size heli.
For instance A
Stinger 50 is also $269. They both still need all of the same equipment but the 50 size will not be nearly as hard to find the right combo of motor battery and gears.
True you may spend a little more on the 50 but will have a much better learning platform.