A basic four channel 100 MHz is likely to be missing lots of fancy add-on features that you don't know you need - things like signal decoding (seeing what's inside a serial data stream), fancy triggers, huge memory buffers, maths functions, etc.
OTOH, it's going to be far *more* than you need for most hobbyist dicking about with analog electronics and small scale logic.
There are some interesting tablet scopes and multimeters that can show waveforms that target this market, and cheap scope interfaces that plug into PCs. So one approach could be to spend £100-200 on one of these and buy a proper scope later if you think you need one. But then you might feel left out by not having a "proper" scope until then, so you can't win.