I still think the decision is pretty easy. If a project has signals that wiggle, it's nice to be able to see them on a scope. Up until then, a DMM will do the job just fine.
If it is an RF project, a scope is probably not the best tool.
It would be simple if we could just say DC circuits -> DMM, AC circuits -> Scope but there is that pesky experiment of a capacitor charging. It is taught in DC Circuits. It's not until AC Circuits that we worry about the frequency response, phase shift and roll-off. Assuming some kind of square wave input (astable 555?), watching the charge and discharge curves gives a lot of intuition to how timing circuits work.
"No one has said not to buy an Oscilloscope. What I question is that you MUST have one and buy one NOW or ASAP no matter what it is."
From the OP "Started learning ...". I'm just guessing but that probably doesn't mean GHz RF design or directed energy projects. I would rather imagine it will turn out to be Arduino projects or perhaps some simple 555 projects and perhaps some transistor gadgets. LEDs seem to come up a lot. Oh, and op amps, everybody loves op amps!
I would expect frequencies to be modest and voltages to be reasonable. Nothing in the OP suggests high voltage SMPSs.
Well, that sounds a lot like the stuff I do and the scopes we often discuss are more than adequate. I sure wouldn't spend the money to even ship a used analog scope, much less buy one, given what the new entry level DSOs cost. With a warranty...
Somehow, I have to believe these scopes would be adequate for a good long time. They're inexpensive enough to be considered disposable or even dedicated to a project. Right now my DS1054Z is hanging on top of my Comdyna GP-6 Analog Computer and there it may stay. I really need an XY display for some experiments and YT is used all the time (pun intended). The hole on top of my bench might just get filled with a Siglent SDS 1204X-E. I'm still thinking about it...
The cost of ownership for something like the Rigol is pretty low. If, in a few years, it comes up inadequate to expanded interests, dedicate it to a project or sell it and buy something else. At $400, these things are really inexpensive for the capability.
I haven't reread the thread but I assume the topic of the Analog Discovery 2 has come up. For a newcomer, I really think it is a mistake to overlook this tool since it is an electronics workbench in a small package. If I could only have the AD2 or the 1054, it would be the AD2. It won't handle high frequencies but there are ways to work around that problem. I did it for years with my Heathkit 10 MHz scope.
I'll stand by my wiggling signals theory as the gateway for buying a scope. Even simple 555 projects are more clearly understood by watching the THR input. Sure, you can read all about the charging and discharging of the timing capacitor but you don't really know it until you see it.
How do you really understand PWM or servo signals without seeing them? Yes, your project, no doubt copied and pasted from the Internet, will probably work but you still haven't actually seen why it works. You haven't 'learned' anything.
Beyond simple DC voltage dividers, I don't see much future in electronics without a scope. It is the tool that lets you see what is happening and seeing is believing (and learning). Yup! If the signal wiggles, a scope is the tool to use.