I have been thinking along similar lines though at 35mm equivalent.

Why not try a cheap 35mm camera with an ok lens before spending your $$$? eg, a Yashica 230AF with the 28mm prime will run under $100 inc battery and you see if you like the auto experience as well. That will get you comfortable with the 28 (which is really a lot wider than I thought it was going to be. I can't quite get my head around it which leads me back to my 35)
Or, perhaps a Fuji GA645WI plus $500 worth of film/chems/paper?

Maybe it doesn't really matter? Both your listed options are good after all.

MattPC