As someone who has looked on into the hobby in Canada. I feel there needs to be another class for people who just want to use a store bought radio. I have to take time to study an exam about how increasing x changes y, and all these other fun facts about radio equipment. However the draw for me is talking to people, not building radio equipment. Just my two cents.
HF and the bottom half of VHF is where you start needing more (expensive) equipment and the antenna setup begins to really dominate performance.
The other problem is that you'll go through all of the expense for a turnkey radio, get on the bands and all you hear people talking about is their radio setup.