Agree that nothing oaks wine like wine against the staves of a barrel. But big wineries keep coopers in business because once the barrels go neutral, they typically shave and re-toast or replace them. Because adding oak chips to a neutral barrel is not what most big wineries do -- because that will never be the same as what the natural barrel wood will do.
But we are of course replying to the OP, who is not a big winery. So, I am simply saying, as the OP has limited funds, starting with a neutral, worry free, easy to clean and care for vessel is probably a much better plan than buying a barrel, which will require more work to maintain and a wine making style change in a few years as the barrel goes neutral. But again, that is just my suggestion.
Side note:
This is how I see it regarding "modern wineries": there are a lot of modern wineries now trying all sorts of different vessels. Such as concrete, plastic (i.e. flextank), steel, clay. Saying that a modern winery is defined by using wood barrels is.... well.... limited. I would say the real modern wineries are doing things differently than tradition dictates. And large wineries tend to be tradition bound because big business tends to be conservative. Real modern wineries are the small ones. The ones who can experiment. Innovate. And, yes, barrels may not be used there. But that is just my view, of course.
But you continue to miss the point several have made, in response to the OP, even when a barrel is neutral, and it’s oaking ability comes from the same source as the tank, the barrel is still superior, as it still microoxygenates and concentrates, this is a quality duplicated by no other vessel. I find no difficulty in maintaining my barrels in a sanitary fashion, and have an appropriate number that they’re easy to keep loaded.
Your view of “modern winemaking”, is quite different than mine, though I respect your opinion. You’ve misunderstood my statement if you believe that I’ve said that modern wineries are defined by their usage of barrels.