Hi Derek, I have shot film my whole life, and still consider myself to be a beginner, and certainly not at the artist level, so take this FWIW.
I have really gone toward available light photography for a variety of reasons, and I find film to be more forgiving than digital in this regard, at least in the cameras I could afford. I frankly also really hate spending time on my computer doctoring up digital stuff. Nonetheless, prints are expensive, and most everyone wants digital images anymore.
The path I have taken, is to have the film professionally developed, then scan it in at home. I am not nearly as picky as many others, but I find the scans to be adequate without much touch up. Usually my errors are far larger than can be fixed with software - either it was a useful shot, or it wasn't.
Compare the specs of the scanner I just picked up for about $ 200 (canoscan 8800F) with the megapixel and color bit depth of any DSLR 10X that price. I don't claim expertise, but it seems to scan at 48 bit depth x 40+ megapixels. In spite of the claims by some, the 35mm kodak ultracolor 100 never ran out of resolution before I maxed out the scanner.
I will make the same offer to you as I have to others - send a 35mm or 120 format negative or transparency to me and I will scan it for you - as a test. I don't offer this because I am great at this, but because I am learning, and really want to understand how my setup compares and get feedback, positive or negative.
BTW, there are medium format cameras on craigslist from time to time, and sometimes you can pick them up from local pro camera rental shops.