To the OP, you can safely ignore the digital vs film debate. I shoot both for their different qualities. There is more to photography than resolution, or even dynamic range and colour fidelity.
If I was you I'd settle on something like HP5+ or TriX and develop it for 10 minutes in D76 1+1 or Xtol 1+1 (check times) - both of which are cheaper than ID11 (D76 equivalent). You can buy a relatively inexpensive 35mm only scanner (Reflecta and Plustek both make them) that will do an OK job, albeit slowly.
If you want to do colour or send it away Peak IMaging and AG Photolabs both do a good job. ProAm Imaging in Bradford used to do an OK job at a much better price too - check their website to see if they still process C41. In my experience commercial scans are not as good as I get from my Nikon 9000, but are fine for small prints/editing.
I'd buy a 50 lens too, then use that exclusively, but that's just me:)
As a minor contribution to the digital/film discussion, bearing in mind the points I made above, I did some big print tests a couple of years ago between a Canon 1Ds3, Leica M9 and Mamiya 7 with Kodak Ektar. I could make prints from the medium format film that I preferred to the digital prints, but the differences required pretty big prints to be worthwhile from a pure technical point of view. I've not tested against the Monochrom or a Nikon D800 (I have got one of these), but suspect the results would be similar with the right film combination. It's worth remembering that Zeiss got 400 lpmm using a Biogon 25 and Spur orthopan. Of course, I wouldn't use that film in everyday use, so it's moot, but I don't shoot 35mm to be 'better, higher resolution' than digital.
Interestingly, some tests run by some friends of Joe Cornish suggested that the Mamiya 7 was able to outresolve 5x4 due to film flatness and lens differences.
Cheers
Mike