

Ignore all the well-meaning geeks here urging you to become a full-time programmer, go with either of the choices you suggest, and just follow the prompts. You’ll find it’s all incredibly easy and that you’re worrying for nothing.
If you want to tweak things, then think about that later. Just get started.
This is from 20 years of experience. Personally I use nothing but the terminal and a web browser. But the reality is that you only need the latter in today’s computing.
This is why we (still) need a Flattr-like service to somehow gain critical mass.