Just a few months ago I was in your exact same spot. I took the plunge with the following set up. My observations as follows:
1. I enjoy being able to play to quality drumless tracks more than I do recording for covers.
2. With the right digital interface, I purchased the Focusrite 18i20, and some decent mic's and headphone I may never leave my room again. lol
3. I've learned from recording my practices how to better play to the song.
4. I learn something new each time I record myself. Lots of fun.
My cover recording of Knocking on Heavens Door