Developing 35mm Black and White is deceptively easy, especially as you are starting out. There is so much latitude in the films and developers that if all you need to do is get a tank, load the films and process according to this and you will get great photos. I developed in my bathroom for the better part of my first year and I think it really completes the experience. The only major expenditure is a negative scanner which can be found for $100 anyway (unless you want to pay the labs to scan them, which is common but expensive). Colour is harder because of the temp consideration, but the point is that when you are just starting out developing is nothing more than setting a timer and inverting. Its only later on (when you are more experienced and confident) that you start to get into more complicated developing like 2 baths and more exotic developers.