It's just totally unnecessary and costs you a lot more money for no good reason, unless you have a strong desire to play without access to a computer. (And if it's an electric instrument, you still need access to a power outlet.) If you like, you can just use a plugin with very few parameters, like a simple piano plugin.

Also, what if there isn't anything in particular "you've decided to do"? What if you've decided to just have fun playing with instruments and making music? In that case, all of the options available make it even more fun. I learned way more about music by choosing as my first instrument plugin a weird, crazy synth with tons of options and possibilities (Synplant: https://soniccharge.com/synplant) rather than something more basic.

You have the best shot of learning something if you stick with it due to interest and motivation, and that definitely kept me a lot more interested and motivated than if I had used a simple piano VST, or a physical instrument. Kind of like how many people who start off with rote exercises in programming languages they consider boring tend to drop it and never learn anything, while people who start off with more dynamic languages are more likely to stick with it.