Uh, if your goal isn't to have the absolute best gear and compete with the top 2%, then there is no question you will have fun trying to move on to end game and kill a bunch of stuff along the way.
Jump in, do your best with what you can afford or however much you can grind and work your way up. And if it's too daunting, you've lost nothing because it's still fun to have that challenge of getting to the level cap and get the best gear. If it feels more like work to you after you have tried, just don't play the game anymore. But at least you gave it a chance
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