To fit within your budget.I'm a little confused right now as the oscilloscope you recommended earlier has a 50MHz bandwidth.
While seemingly very convenient inbuilt AWG's are generally feeble beasts but if you can work with their very limited amplitude outputs they can be useful however at some time you will lust after a proper AWG.What I find interesting (I think this may be useful) in the Hantek one is that it has a function generator and can analyze digital protocols. Currently I'm just doing some very basic stuff but this will hopefully grow. I also have many esp and pico to play with so I would be working on microcontrollers.
If you are to enter into the digital realm you might want to consider a 4ch DSO especially for the likes of SPI where you can have 2 digital channels plus a CS and Clk channel.
Lowest model from Siglent that supports 4 channels is the $ 399 SDS1104X-U.
The keys to understanding instrument functionality are manuals and datasheets which we shouldn't be scared of as we are engineers aren't we and live by datasheets.